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$26,206
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,021
−HK$828/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,544
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$793/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,447
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$993/mo
Today · 4.125%
HK$33,419
baseline
▲ 0.50% · 4.625%
HK$35,453
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,838/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$952/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,689
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,159/mo
Today · 4.125%
HK$38,989
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,978/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,816
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,910
−HK$1,111/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,288
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,171
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,638
−HK$1,491/mo
Today · 4.125%
HK$50,129
baseline
▲ 0.50% · 4.625%
HK$53,179
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,258/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,477
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,885
−HK$1,427/mo
Today · 4.125%
HK$55,312
baseline
▲ 0.50% · 4.625%
HK$58,228
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,624/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,974 · Scale 2, in force from 26 Feb 2026)