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$31,361
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$991/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,889
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,825
−HK$949/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$38,712
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,804
−HK$1,189/mo
Today · 4.125%
HK$39,993
baseline
▲ 0.50% · 4.625%
HK$42,427
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,986/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,867
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,139/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,455
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,906
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,271
−HK$1,388/mo
Today · 4.125%
HK$46,659
baseline
▲ 0.50% · 4.625%
HK$49,498
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,318/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,845
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,155
−HK$1,329/mo
Today · 4.125%
HK$51,484
baseline
▲ 0.50% · 4.625%
HK$54,197
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,968/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,450
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,206
−HK$1,784/mo
Today · 4.125%
HK$59,990
baseline
▲ 0.50% · 4.625%
HK$63,640
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,980/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,800
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,485
−HK$1,708/mo
Today · 4.125%
HK$66,193
baseline
▲ 0.50% · 4.625%
HK$69,682
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,386/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,753 · Scale 2, in force from 26 Feb 2026)