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$26,215
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$828/mo
Today · 4.125%
HK$27,858
baseline
▲ 0.50% · 4.625%
HK$29,554
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,716/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,163
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$793/mo
Today · 4.125%
HK$30,739
baseline
▲ 0.50% · 4.625%
HK$32,359
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,478/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,457
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$994/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,464
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,996
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$952/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$38,831
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,700
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,842
−HK$1,160/mo
Today · 4.125%
HK$39,002
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,004/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,829
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,924
−HK$1,111/mo
Today · 4.125%
HK$43,035
baseline
▲ 0.50% · 4.625%
HK$45,303
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,070/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,186
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,491/mo
Today · 4.125%
HK$50,145
baseline
▲ 0.50% · 4.625%
HK$53,196
+HK$3,051/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,290/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,494
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,428/mo
Today · 4.125%
HK$55,330
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$2,917/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,660/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,112 · Scale 2, in force from 26 Feb 2026)