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$31,437
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,414
−HK$994/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,441
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,973
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$951/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$38,805
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,724
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,897
−HK$1,193/mo
Today · 4.125%
HK$40,090
baseline
▲ 0.50% · 4.625%
HK$42,529
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,180/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,968
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,093
−HK$1,142/mo
Today · 4.125%
HK$44,235
baseline
▲ 0.50% · 4.625%
HK$46,567
+HK$2,332/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,470/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,011
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,380
−HK$1,391/mo
Today · 4.125%
HK$46,771
baseline
▲ 0.50% · 4.625%
HK$49,617
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,542/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,962
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,275
−HK$1,332/mo
Today · 4.125%
HK$51,607
baseline
▲ 0.50% · 4.625%
HK$54,328
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,214/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,586
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,346
−HK$1,788/mo
Today · 4.125%
HK$60,134
baseline
▲ 0.50% · 4.625%
HK$63,793
+HK$3,659/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,268/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,951
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,640
−HK$1,712/mo
Today · 4.125%
HK$66,352
baseline
▲ 0.50% · 4.625%
HK$69,850
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,704/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,992 · Scale 2, in force from 26 Feb 2026)