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$26,206
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$828/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,544
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$794/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,619/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$994/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,453
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$951/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,689
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,160/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,816
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,911
−HK$1,110/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,289
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,172
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,639
−HK$1,491/mo
Today · 4.125%
HK$50,130
baseline
▲ 0.50% · 4.625%
HK$53,180
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,260/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,478
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,885
−HK$1,428/mo
Today · 4.125%
HK$55,313
baseline
▲ 0.50% · 4.625%
HK$58,229
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,626/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,980 · Scale 2, in force from 26 Feb 2026)