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$31,421
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$993/mo
Today · 4.125%
HK$33,392
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,784/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,956
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$952/mo
Today · 4.125%
HK$36,845
baseline
▲ 0.50% · 4.625%
HK$38,787
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,690/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,706
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,191/mo
Today · 4.125%
HK$40,070
baseline
▲ 0.50% · 4.625%
HK$42,508
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,140/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,947
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,072
−HK$1,141/mo
Today · 4.125%
HK$44,213
baseline
▲ 0.50% · 4.625%
HK$46,544
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,426/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,990
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,391/mo
Today · 4.125%
HK$46,749
baseline
▲ 0.50% · 4.625%
HK$49,593
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$93,498/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,938
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,331/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,301
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$103,164/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,559
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,318
−HK$1,787/mo
Today · 4.125%
HK$60,105
baseline
▲ 0.50% · 4.625%
HK$63,763
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,210/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,921
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,608
−HK$1,712/mo
Today · 4.125%
HK$66,320
baseline
▲ 0.50% · 4.625%
HK$69,816
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,640/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,742 · Scale 2, in force from 26 Feb 2026)