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$31,394
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$993/mo
Today · 4.125%
HK$33,363
baseline
▲ 0.50% · 4.625%
HK$35,393
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,726/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,862
−HK$950/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$38,753
+HK$1,941/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,673
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,844
−HK$1,191/mo
Today · 4.125%
HK$40,035
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,070/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,910
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,034
−HK$1,141/mo
Today · 4.125%
HK$44,175
baseline
▲ 0.50% · 4.625%
HK$46,503
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,350/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,951
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,318
−HK$1,390/mo
Today · 4.125%
HK$46,708
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,416/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,895
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,207
−HK$1,330/mo
Today · 4.125%
HK$51,537
baseline
▲ 0.50% · 4.625%
HK$54,254
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,074/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,509
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,267
−HK$1,786/mo
Today · 4.125%
HK$60,053
baseline
▲ 0.50% · 4.625%
HK$63,707
+HK$3,654/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,106/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,866
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,552
−HK$1,710/mo
Today · 4.125%
HK$66,262
baseline
▲ 0.50% · 4.625%
HK$69,755
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,524/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,288 · Scale 2, in force from 26 Feb 2026)