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$26,238
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,055
−HK$829/mo
Today · 4.125%
HK$27,884
baseline
▲ 0.50% · 4.625%
HK$29,581
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,768/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,190
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,973
−HK$794/mo
Today · 4.125%
HK$30,767
baseline
▲ 0.50% · 4.625%
HK$32,389
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,534/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,486
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,466
−HK$995/mo
Today · 4.125%
HK$33,461
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,922/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,028
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$954/mo
Today · 4.125%
HK$36,921
baseline
▲ 0.50% · 4.625%
HK$38,867
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,842/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,734
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,877
−HK$1,160/mo
Today · 4.125%
HK$39,037
baseline
▲ 0.50% · 4.625%
HK$41,413
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,074/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,866
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,962
−HK$1,112/mo
Today · 4.125%
HK$43,074
baseline
▲ 0.50% · 4.625%
HK$45,344
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,148/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,229
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,493/mo
Today · 4.125%
HK$50,191
baseline
▲ 0.50% · 4.625%
HK$53,245
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,382/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,542
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,951
−HK$1,430/mo
Today · 4.125%
HK$55,381
baseline
▲ 0.50% · 4.625%
HK$58,300
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,762/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,506 · Scale 2, in force from 26 Feb 2026)