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$31,381
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$992/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,378
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,911
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,848
−HK$949/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$38,737
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,657
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,190/mo
Today · 4.125%
HK$40,019
baseline
▲ 0.50% · 4.625%
HK$42,454
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,038/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,893
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,017
−HK$1,140/mo
Today · 4.125%
HK$44,157
baseline
▲ 0.50% · 4.625%
HK$46,484
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,314/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,934
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,300
−HK$1,389/mo
Today · 4.125%
HK$46,689
baseline
▲ 0.50% · 4.625%
HK$49,530
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,378/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,876
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,187
−HK$1,329/mo
Today · 4.125%
HK$51,516
baseline
▲ 0.50% · 4.625%
HK$54,232
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,032/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,486
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,243
−HK$1,785/mo
Today · 4.125%
HK$60,028
baseline
▲ 0.50% · 4.625%
HK$63,681
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,056/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,840
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,709/mo
Today · 4.125%
HK$66,235
baseline
▲ 0.50% · 4.625%
HK$69,727
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,470/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,080 · Scale 2, in force from 26 Feb 2026)