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$26,222
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$829/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$793/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,467
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$994/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,475
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,007
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,946
−HK$952/mo
Today · 4.125%
HK$36,898
baseline
▲ 0.50% · 4.625%
HK$38,843
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,796/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,711
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,161/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,841
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,112/mo
Today · 4.125%
HK$43,048
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,096/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,200
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,669
−HK$1,491/mo
Today · 4.125%
HK$50,160
baseline
▲ 0.50% · 4.625%
HK$53,212
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,320/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,510
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,918
−HK$1,429/mo
Today · 4.125%
HK$55,347
baseline
▲ 0.50% · 4.625%
HK$58,264
+HK$2,917/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,694/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,243 · Scale 2, in force from 26 Feb 2026)