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$31,404
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$993/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,936
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,873
−HK$951/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,190/mo
Today · 4.125%
HK$40,047
baseline
▲ 0.50% · 4.625%
HK$42,484
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,094/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,923
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,048
−HK$1,140/mo
Today · 4.125%
HK$44,188
baseline
▲ 0.50% · 4.625%
HK$46,518
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,376/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,965
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,333
−HK$1,389/mo
Today · 4.125%
HK$46,722
baseline
▲ 0.50% · 4.625%
HK$49,565
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,444/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,911
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,222
−HK$1,331/mo
Today · 4.125%
HK$51,553
baseline
▲ 0.50% · 4.625%
HK$54,271
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,106/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,526
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,285
−HK$1,786/mo
Today · 4.125%
HK$60,071
baseline
▲ 0.50% · 4.625%
HK$63,726
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,142/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,885
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,572
−HK$1,711/mo
Today · 4.125%
HK$66,283
baseline
▲ 0.50% · 4.625%
HK$69,776
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,566/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,449 · Scale 2, in force from 26 Feb 2026)