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$31,342
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$991/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$949/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,188/mo
Today · 4.125%
HK$39,969
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,938/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,841
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,138/mo
Today · 4.125%
HK$44,102
baseline
▲ 0.50% · 4.625%
HK$46,427
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,204/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,879
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,244
−HK$1,387/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,468
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,815
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,124
−HK$1,328/mo
Today · 4.125%
HK$51,452
baseline
▲ 0.50% · 4.625%
HK$54,165
+HK$2,713/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,904/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,416
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,171
−HK$1,783/mo
Today · 4.125%
HK$59,954
baseline
▲ 0.50% · 4.625%
HK$63,602
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,908/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,762
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,445
−HK$1,708/mo
Today · 4.125%
HK$66,153
baseline
▲ 0.50% · 4.625%
HK$69,640
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,306/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,439 · Scale 2, in force from 26 Feb 2026)