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$26,234
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$829/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,575
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,758/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,185
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,968
−HK$794/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,481
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,460
−HK$995/mo
Today · 4.125%
HK$33,455
baseline
▲ 0.50% · 4.625%
HK$35,490
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,910/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,022
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,961
−HK$953/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$38,860
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,161/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,859
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,955
−HK$1,111/mo
Today · 4.125%
HK$43,066
baseline
▲ 0.50% · 4.625%
HK$45,336
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,132/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,221
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,690
−HK$1,492/mo
Today · 4.125%
HK$50,182
baseline
▲ 0.50% · 4.625%
HK$53,236
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,364/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,533
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,942
−HK$1,429/mo
Today · 4.125%
HK$55,371
baseline
▲ 0.50% · 4.625%
HK$58,290
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,742/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,430 · Scale 2, in force from 26 Feb 2026)