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$26,202
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$828/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,539
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,150
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$793/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,344
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$993/mo
Today · 4.125%
HK$33,414
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,828/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,918
−HK$951/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,824
−HK$1,159/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,355
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,809
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,110/mo
Today · 4.125%
HK$43,014
baseline
▲ 0.50% · 4.625%
HK$45,282
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,028/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,164
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,631
−HK$1,490/mo
Today · 4.125%
HK$50,121
baseline
▲ 0.50% · 4.625%
HK$53,171
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,242/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,469
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,876
−HK$1,428/mo
Today · 4.125%
HK$55,304
baseline
▲ 0.50% · 4.625%
HK$58,219
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,608/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,907 · Scale 2, in force from 26 Feb 2026)