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$26,225
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$829/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,175
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,957
−HK$794/mo
Today · 4.125%
HK$30,751
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,502/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$995/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,009
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,948
−HK$953/mo
Today · 4.125%
HK$36,901
baseline
▲ 0.50% · 4.625%
HK$38,846
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,802/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,714
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,161/mo
Today · 4.125%
HK$39,017
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,034/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,844
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,940
−HK$1,111/mo
Today · 4.125%
HK$43,051
baseline
▲ 0.50% · 4.625%
HK$45,320
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,102/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,204
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,492/mo
Today · 4.125%
HK$50,164
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,328/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,514
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,923
−HK$1,428/mo
Today · 4.125%
HK$55,351
baseline
▲ 0.50% · 4.625%
HK$58,269
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,702/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,276 · Scale 2, in force from 26 Feb 2026)