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$31,422
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,400
−HK$993/mo
Today · 4.125%
HK$33,393
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,786/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,957
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,894
−HK$951/mo
Today · 4.125%
HK$36,845
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,690/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,707
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,192/mo
Today · 4.125%
HK$40,071
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,142/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,141/mo
Today · 4.125%
HK$44,214
baseline
▲ 0.50% · 4.625%
HK$46,545
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,428/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,991
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,359
−HK$1,391/mo
Today · 4.125%
HK$46,750
baseline
▲ 0.50% · 4.625%
HK$49,594
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$93,500/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,940
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,252
−HK$1,332/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,560
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,319
−HK$1,788/mo
Today · 4.125%
HK$60,107
baseline
▲ 0.50% · 4.625%
HK$63,764
+HK$3,657/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,214/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,922
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,610
−HK$1,712/mo
Today · 4.125%
HK$66,322
baseline
▲ 0.50% · 4.625%
HK$69,818
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,644/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,754 · Scale 2, in force from 26 Feb 2026)