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$31,335
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$991/mo
Today · 4.125%
HK$33,300
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,600/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,795
−HK$948/mo
Today · 4.125%
HK$36,743
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,486/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,189/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,832
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,139/mo
Today · 4.125%
HK$44,092
baseline
▲ 0.50% · 4.625%
HK$46,416
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,184/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,869
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,387/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,456
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,328/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,152
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,403
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,157
−HK$1,782/mo
Today · 4.125%
HK$59,939
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,878/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,747
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,430
−HK$1,707/mo
Today · 4.125%
HK$66,137
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,274/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,317 · Scale 2, in force from 26 Feb 2026)