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$31,411
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$992/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,411
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$951/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,865
−HK$1,191/mo
Today · 4.125%
HK$40,056
baseline
▲ 0.50% · 4.625%
HK$42,494
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,112/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,933
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,141/mo
Today · 4.125%
HK$44,198
baseline
▲ 0.50% · 4.625%
HK$46,528
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,396/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,975
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,389/mo
Today · 4.125%
HK$46,732
baseline
▲ 0.50% · 4.625%
HK$49,576
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,464/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,922
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,234
−HK$1,331/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,283
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,539
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,787/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,741
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,899
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,586
−HK$1,711/mo
Today · 4.125%
HK$66,297
baseline
▲ 0.50% · 4.625%
HK$69,792
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,594/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,564 · Scale 2, in force from 26 Feb 2026)