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$31,424
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,401
−HK$993/mo
Today · 4.125%
HK$33,394
baseline
▲ 0.50% · 4.625%
HK$35,426
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,788/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,896
−HK$951/mo
Today · 4.125%
HK$36,847
baseline
▲ 0.50% · 4.625%
HK$38,790
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,694/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,192/mo
Today · 4.125%
HK$40,073
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,146/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,142/mo
Today · 4.125%
HK$44,217
baseline
▲ 0.50% · 4.625%
HK$46,547
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,434/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,993
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,362
−HK$1,390/mo
Today · 4.125%
HK$46,752
baseline
▲ 0.50% · 4.625%
HK$49,597
+HK$2,845/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$93,504/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,942
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,331/mo
Today · 4.125%
HK$51,586
baseline
▲ 0.50% · 4.625%
HK$54,305
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$103,172/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,563
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,322
−HK$1,788/mo
Today · 4.125%
HK$60,110
baseline
▲ 0.50% · 4.625%
HK$63,767
+HK$3,657/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,220/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,925
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,613
−HK$1,712/mo
Today · 4.125%
HK$66,325
baseline
▲ 0.50% · 4.625%
HK$69,821
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,650/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,780 · Scale 2, in force from 26 Feb 2026)