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$31,439
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,417
−HK$993/mo
Today · 4.125%
HK$33,410
baseline
▲ 0.50% · 4.625%
HK$35,443
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,820/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,975
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,913
−HK$952/mo
Today · 4.125%
HK$36,865
baseline
▲ 0.50% · 4.625%
HK$38,808
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,730/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,900
−HK$1,192/mo
Today · 4.125%
HK$40,092
baseline
▲ 0.50% · 4.625%
HK$42,532
+HK$2,440/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,184/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,142/mo
Today · 4.125%
HK$44,238
baseline
▲ 0.50% · 4.625%
HK$46,570
+HK$2,332/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,476/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,014
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,383
−HK$1,391/mo
Today · 4.125%
HK$46,774
baseline
▲ 0.50% · 4.625%
HK$49,621
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,548/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,966
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,279
−HK$1,332/mo
Today · 4.125%
HK$51,611
baseline
▲ 0.50% · 4.625%
HK$54,331
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,222/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,590
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,350
−HK$1,789/mo
Today · 4.125%
HK$60,139
baseline
▲ 0.50% · 4.625%
HK$63,798
+HK$3,659/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,278/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,956
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,644
−HK$1,713/mo
Today · 4.125%
HK$66,357
baseline
▲ 0.50% · 4.625%
HK$69,855
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,714/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,029 · Scale 2, in force from 26 Feb 2026)