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$26,209
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$828/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,158
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$793/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,451
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,430
−HK$994/mo
Today · 4.125%
HK$33,424
baseline
▲ 0.50% · 4.625%
HK$35,457
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,848/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,989
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,928
−HK$952/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$38,824
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,835
−HK$1,159/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,367
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,821
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,916
−HK$1,110/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,177
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,491/mo
Today · 4.125%
HK$50,136
baseline
▲ 0.50% · 4.625%
HK$53,186
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,272/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,484
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,892
−HK$1,428/mo
Today · 4.125%
HK$55,320
baseline
▲ 0.50% · 4.625%
HK$58,236
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,640/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,029 · Scale 2, in force from 26 Feb 2026)