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$31,327
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,302
−HK$990/mo
Today · 4.125%
HK$33,292
baseline
▲ 0.50% · 4.625%
HK$35,318
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,584/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,851
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,786
−HK$948/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,671
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,468/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,593
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,188/mo
Today · 4.125%
HK$39,950
baseline
▲ 0.50% · 4.625%
HK$42,381
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,900/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,822
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,943
−HK$1,138/mo
Today · 4.125%
HK$44,081
baseline
▲ 0.50% · 4.625%
HK$46,405
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,162/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,387/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,445
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,792
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,328/mo
Today · 4.125%
HK$51,428
baseline
▲ 0.50% · 4.625%
HK$54,139
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,856/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,782/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,572
+HK$3,647/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,732
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,415
−HK$1,707/mo
Today · 4.125%
HK$66,122
baseline
▲ 0.50% · 4.625%
HK$69,607
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,244/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,194 · Scale 2, in force from 26 Feb 2026)