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$26,236
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$829/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,578
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$794/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,483
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$995/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,493
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$953/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,730
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,161/mo
Today · 4.125%
HK$39,034
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,068/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,112/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,340
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,225
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,693
−HK$1,493/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$53,240
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,429/mo
Today · 4.125%
HK$55,375
baseline
▲ 0.50% · 4.625%
HK$58,294
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,750/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,463 · Scale 2, in force from 26 Feb 2026)