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$31,415
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,392
−HK$993/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,416
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,949
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$951/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$38,779
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,192/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,499
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,938
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,141/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,534
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,981
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,390/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,928
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,240
−HK$1,332/mo
Today · 4.125%
HK$51,572
baseline
▲ 0.50% · 4.625%
HK$54,290
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,144/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,547
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,787/mo
Today · 4.125%
HK$60,093
baseline
▲ 0.50% · 4.625%
HK$63,749
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,186/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,595
−HK$1,711/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$69,802
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,634 · Scale 2, in force from 26 Feb 2026)