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$31,408
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,385
−HK$993/mo
Today · 4.125%
HK$33,378
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,756/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,942
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,879
−HK$950/mo
Today · 4.125%
HK$36,829
baseline
▲ 0.50% · 4.625%
HK$38,771
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,658/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,862
−HK$1,192/mo
Today · 4.125%
HK$40,054
baseline
▲ 0.50% · 4.625%
HK$42,491
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,108/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,930
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,054
−HK$1,141/mo
Today · 4.125%
HK$44,195
baseline
▲ 0.50% · 4.625%
HK$46,525
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,390/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,972
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,340
−HK$1,389/mo
Today · 4.125%
HK$46,729
baseline
▲ 0.50% · 4.625%
HK$49,573
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,458/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,918
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,230
−HK$1,331/mo
Today · 4.125%
HK$51,561
baseline
▲ 0.50% · 4.625%
HK$54,279
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,122/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,294
−HK$1,786/mo
Today · 4.125%
HK$60,080
baseline
▲ 0.50% · 4.625%
HK$63,736
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,160/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,895
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,582
−HK$1,711/mo
Today · 4.125%
HK$66,293
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,586/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,528 · Scale 2, in force from 26 Feb 2026)