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$31,416
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,394
−HK$993/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,418
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,888
−HK$951/mo
Today · 4.125%
HK$36,839
baseline
▲ 0.50% · 4.625%
HK$38,781
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,678/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,700
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,192/mo
Today · 4.125%
HK$40,064
baseline
▲ 0.50% · 4.625%
HK$42,502
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,128/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,941
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,065
−HK$1,142/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,351
−HK$1,390/mo
Today · 4.125%
HK$46,741
baseline
▲ 0.50% · 4.625%
HK$49,585
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,482/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,931
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,243
−HK$1,331/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,293
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,550
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,309
−HK$1,787/mo
Today · 4.125%
HK$60,096
baseline
▲ 0.50% · 4.625%
HK$63,752
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,192/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,911
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,598
−HK$1,712/mo
Today · 4.125%
HK$66,310
baseline
▲ 0.50% · 4.625%
HK$69,805
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,620/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,660 · Scale 2, in force from 26 Feb 2026)