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$26,230
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,046
−HK$829/mo
Today · 4.125%
HK$27,875
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,750/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,181
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$794/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,379
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,476
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$995/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,017
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,956
−HK$953/mo
Today · 4.125%
HK$36,909
baseline
▲ 0.50% · 4.625%
HK$38,854
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,818/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,722
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,864
−HK$1,161/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,400
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,853
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,111/mo
Today · 4.125%
HK$43,060
baseline
▲ 0.50% · 4.625%
HK$45,330
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,120/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,214
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,683
−HK$1,492/mo
Today · 4.125%
HK$50,175
baseline
▲ 0.50% · 4.625%
HK$53,228
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,350/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,525
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,934
−HK$1,429/mo
Today · 4.125%
HK$55,363
baseline
▲ 0.50% · 4.625%
HK$58,281
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,726/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,368 · Scale 2, in force from 26 Feb 2026)