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$31,397
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$992/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$2,031/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,865
−HK$951/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,676
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,191/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,914
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,141/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,507
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,955
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,323
−HK$1,389/mo
Today · 4.125%
HK$46,712
baseline
▲ 0.50% · 4.625%
HK$49,554
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,424/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,900
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,211
−HK$1,331/mo
Today · 4.125%
HK$51,542
baseline
▲ 0.50% · 4.625%
HK$54,259
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,084/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,514
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,272
−HK$1,786/mo
Today · 4.125%
HK$60,058
baseline
▲ 0.50% · 4.625%
HK$63,712
+HK$3,654/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,116/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,871
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,557
−HK$1,711/mo
Today · 4.125%
HK$66,268
baseline
▲ 0.50% · 4.625%
HK$69,761
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,536/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,335 · Scale 2, in force from 26 Feb 2026)