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$26,229
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$828/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,179
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$794/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,377
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$995/mo
Today · 4.125%
HK$33,448
baseline
▲ 0.50% · 4.625%
HK$35,483
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,896/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,015
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$953/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$38,852
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,720
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,862
−HK$1,161/mo
Today · 4.125%
HK$39,023
baseline
▲ 0.50% · 4.625%
HK$41,397
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,046/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,851
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,946
−HK$1,112/mo
Today · 4.125%
HK$43,058
baseline
▲ 0.50% · 4.625%
HK$45,328
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,116/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,212
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,680
−HK$1,492/mo
Today · 4.125%
HK$50,172
baseline
▲ 0.50% · 4.625%
HK$53,225
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,344/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,523
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,931
−HK$1,429/mo
Today · 4.125%
HK$55,360
baseline
▲ 0.50% · 4.625%
HK$58,278
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,720/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,345 · Scale 2, in force from 26 Feb 2026)