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$31,432
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$993/mo
Today · 4.125%
HK$33,403
baseline
▲ 0.50% · 4.625%
HK$35,436
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,806/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,968
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,906
−HK$951/mo
Today · 4.125%
HK$36,857
baseline
▲ 0.50% · 4.625%
HK$38,800
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,714/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,192/mo
Today · 4.125%
HK$40,084
baseline
▲ 0.50% · 4.625%
HK$42,523
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,168/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,142/mo
Today · 4.125%
HK$44,229
baseline
▲ 0.50% · 4.625%
HK$46,560
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,458/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,374
−HK$1,390/mo
Today · 4.125%
HK$46,764
baseline
▲ 0.50% · 4.625%
HK$49,610
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,528/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,955
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,332/mo
Today · 4.125%
HK$51,600
baseline
▲ 0.50% · 4.625%
HK$54,320
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,200/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,578
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,338
−HK$1,788/mo
Today · 4.125%
HK$60,126
baseline
▲ 0.50% · 4.625%
HK$63,784
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,252/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,942
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,630
−HK$1,713/mo
Today · 4.125%
HK$66,343
baseline
▲ 0.50% · 4.625%
HK$69,840
+HK$3,497/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,686/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,918 · Scale 2, in force from 26 Feb 2026)