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$31,442
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$994/mo
Today · 4.125%
HK$33,414
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,828/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$952/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$1,944/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,731
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,905
−HK$1,192/mo
Today · 4.125%
HK$40,097
baseline
▲ 0.50% · 4.625%
HK$42,537
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,194/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,142/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,389
−HK$1,391/mo
Today · 4.125%
HK$46,780
baseline
▲ 0.50% · 4.625%
HK$49,626
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,560/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,971
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,333/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,596
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,357
−HK$1,788/mo
Today · 4.125%
HK$60,145
baseline
▲ 0.50% · 4.625%
HK$63,805
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,290/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,963
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,651
−HK$1,714/mo
Today · 4.125%
HK$66,365
baseline
▲ 0.50% · 4.625%
HK$69,863
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,730/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,087 · Scale 2, in force from 26 Feb 2026)