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$26,221
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$829/mo
Today · 4.125%
HK$27,866
baseline
▲ 0.50% · 4.625%
HK$29,561
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,732/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$794/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,368
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$995/mo
Today · 4.125%
HK$33,439
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,878/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$952/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,710
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,160/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,386
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,111/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,315
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,198
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,666
−HK$1,492/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$53,210
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,508
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,429/mo
Today · 4.125%
HK$55,345
baseline
▲ 0.50% · 4.625%
HK$58,262
+HK$2,917/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,690/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,223 · Scale 2, in force from 26 Feb 2026)