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$26,224
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$829/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,564
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,174
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,956
−HK$794/mo
Today · 4.125%
HK$30,750
baseline
▲ 0.50% · 4.625%
HK$32,371
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,500/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$994/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,009
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,948
−HK$952/mo
Today · 4.125%
HK$36,900
baseline
▲ 0.50% · 4.625%
HK$38,845
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,800/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,714
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,160/mo
Today · 4.125%
HK$39,016
baseline
▲ 0.50% · 4.625%
HK$41,390
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,032/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,844
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,939
−HK$1,111/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,320
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,491/mo
Today · 4.125%
HK$50,163
baseline
▲ 0.50% · 4.625%
HK$53,216
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,326/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,513
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,922
−HK$1,428/mo
Today · 4.125%
HK$55,350
baseline
▲ 0.50% · 4.625%
HK$58,268
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,700/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,269 · Scale 2, in force from 26 Feb 2026)