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$26,244
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,060
−HK$830/mo
Today · 4.125%
HK$27,890
baseline
▲ 0.50% · 4.625%
HK$29,587
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,780/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,196
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$794/mo
Today · 4.125%
HK$30,773
baseline
▲ 0.50% · 4.625%
HK$32,396
+HK$1,623/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,546/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,472
−HK$996/mo
Today · 4.125%
HK$33,468
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,936/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$953/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$38,875
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,741
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,884
−HK$1,161/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,971
−HK$1,112/mo
Today · 4.125%
HK$43,083
baseline
▲ 0.50% · 4.625%
HK$45,354
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,166/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,239
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,708
−HK$1,493/mo
Today · 4.125%
HK$50,201
baseline
▲ 0.50% · 4.625%
HK$53,256
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,402/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,553
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,962
−HK$1,430/mo
Today · 4.125%
HK$55,392
baseline
▲ 0.50% · 4.625%
HK$58,312
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,784/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,595 · Scale 2, in force from 26 Feb 2026)