The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,219
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$828/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,559
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$793/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,365
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,463
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,442
−HK$994/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,002
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,941
−HK$952/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$38,838
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,707
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,849
−HK$1,160/mo
Today · 4.125%
HK$39,009
baseline
▲ 0.50% · 4.625%
HK$41,382
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,018/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,836
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,931
−HK$1,111/mo
Today · 4.125%
HK$43,042
baseline
▲ 0.50% · 4.625%
HK$45,311
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,084/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,194
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,662
−HK$1,492/mo
Today · 4.125%
HK$50,154
baseline
▲ 0.50% · 4.625%
HK$53,206
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,308/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,503
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,911
−HK$1,429/mo
Today · 4.125%
HK$55,340
baseline
▲ 0.50% · 4.625%
HK$58,257
+HK$2,917/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,680/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,188 · Scale 2, in force from 26 Feb 2026)