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$26,237
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$829/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,189
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$794/mo
Today · 4.125%
HK$30,766
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,532/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,485
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$995/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$953/mo
Today · 4.125%
HK$36,919
baseline
▲ 0.50% · 4.625%
HK$38,865
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,838/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,732
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,875
−HK$1,161/mo
Today · 4.125%
HK$39,036
baseline
▲ 0.50% · 4.625%
HK$41,411
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,072/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,864
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,960
−HK$1,112/mo
Today · 4.125%
HK$43,072
baseline
▲ 0.50% · 4.625%
HK$45,343
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,144/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,227
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,696
−HK$1,493/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$53,243
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,540
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,949
−HK$1,429/mo
Today · 4.125%
HK$55,378
baseline
▲ 0.50% · 4.625%
HK$58,298
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,756/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,488 · Scale 2, in force from 26 Feb 2026)