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$31,403
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$992/mo
Today · 4.125%
HK$33,372
baseline
▲ 0.50% · 4.625%
HK$35,403
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,744/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,935
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$951/mo
Today · 4.125%
HK$36,823
baseline
▲ 0.50% · 4.625%
HK$38,764
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,646/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,683
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,856
−HK$1,190/mo
Today · 4.125%
HK$40,046
baseline
▲ 0.50% · 4.625%
HK$42,483
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,092/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,922
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,140/mo
Today · 4.125%
HK$44,187
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,374/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,964
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,390/mo
Today · 4.125%
HK$46,721
baseline
▲ 0.50% · 4.625%
HK$49,564
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,442/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,909
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,331/mo
Today · 4.125%
HK$51,552
baseline
▲ 0.50% · 4.625%
HK$54,269
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,104/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,525
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,787/mo
Today · 4.125%
HK$60,070
baseline
▲ 0.50% · 4.625%
HK$63,725
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,140/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,884
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,570
−HK$1,711/mo
Today · 4.125%
HK$66,281
baseline
▲ 0.50% · 4.625%
HK$69,775
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,562/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,436 · Scale 2, in force from 26 Feb 2026)