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$26,207
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$829/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$793/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,350
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,449
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$994/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,986
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,925
−HK$951/mo
Today · 4.125%
HK$36,876
baseline
▲ 0.50% · 4.625%
HK$38,820
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,752/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,690
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,831
−HK$1,160/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,363
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,817
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,912
−HK$1,111/mo
Today · 4.125%
HK$43,023
baseline
▲ 0.50% · 4.625%
HK$45,290
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,046/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,173
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,640
−HK$1,491/mo
Today · 4.125%
HK$50,131
baseline
▲ 0.50% · 4.625%
HK$53,181
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,262/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,479
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,887
−HK$1,428/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,230
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,991 · Scale 2, in force from 26 Feb 2026)