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$26,239
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,056
−HK$829/mo
Today · 4.125%
HK$27,885
baseline
▲ 0.50% · 4.625%
HK$29,582
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,770/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,191
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,974
−HK$794/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,487
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,467
−HK$995/mo
Today · 4.125%
HK$33,462
baseline
▲ 0.50% · 4.625%
HK$35,498
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,924/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,029
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,969
−HK$953/mo
Today · 4.125%
HK$36,922
baseline
▲ 0.50% · 4.625%
HK$38,868
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,844/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,735
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,161/mo
Today · 4.125%
HK$39,039
baseline
▲ 0.50% · 4.625%
HK$41,414
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,078/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,868
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,112/mo
Today · 4.125%
HK$43,076
baseline
▲ 0.50% · 4.625%
HK$45,346
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,152/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,231
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,700
−HK$1,493/mo
Today · 4.125%
HK$50,193
baseline
▲ 0.50% · 4.625%
HK$53,247
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,386/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,544
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,953
−HK$1,430/mo
Today · 4.125%
HK$55,383
baseline
▲ 0.50% · 4.625%
HK$58,302
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,766/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,522 · Scale 2, in force from 26 Feb 2026)