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$26,217
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$828/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,557
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$793/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,363
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,461
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$995/mo
Today · 4.125%
HK$33,434
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,868/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,000
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$953/mo
Today · 4.125%
HK$36,891
baseline
▲ 0.50% · 4.625%
HK$38,835
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,782/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,846
−HK$1,160/mo
Today · 4.125%
HK$39,006
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,012/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,833
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,928
−HK$1,111/mo
Today · 4.125%
HK$43,039
baseline
▲ 0.50% · 4.625%
HK$45,308
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,078/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,191
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,491/mo
Today · 4.125%
HK$50,150
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,300/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,908
−HK$1,428/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,253
+HK$2,917/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,157 · Scale 2, in force from 26 Feb 2026)