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$31,372
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$991/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,901
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,837
−HK$949/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,646
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,817
−HK$1,190/mo
Today · 4.125%
HK$40,007
baseline
▲ 0.50% · 4.625%
HK$42,441
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$80,014/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,881
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,004
−HK$1,140/mo
Today · 4.125%
HK$44,144
baseline
▲ 0.50% · 4.625%
HK$46,470
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,288/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,287
−HK$1,388/mo
Today · 4.125%
HK$46,675
baseline
▲ 0.50% · 4.625%
HK$49,515
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,350/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,861
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,171
−HK$1,330/mo
Today · 4.125%
HK$51,501
baseline
▲ 0.50% · 4.625%
HK$54,215
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,002/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,469
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,226
−HK$1,784/mo
Today · 4.125%
HK$60,010
baseline
▲ 0.50% · 4.625%
HK$63,662
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,020/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,821
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,506
−HK$1,709/mo
Today · 4.125%
HK$66,215
baseline
▲ 0.50% · 4.625%
HK$69,706
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,430/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,924 · Scale 2, in force from 26 Feb 2026)