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$31,383
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$991/mo
Today · 4.125%
HK$33,350
baseline
▲ 0.50% · 4.625%
HK$35,380
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,700/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,913
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$950/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$38,739
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,830
−HK$1,191/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,435/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,895
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,019
−HK$1,140/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,486
+HK$2,327/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,389/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,532
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,878
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,330/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,234
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,489
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,246
−HK$1,785/mo
Today · 4.125%
HK$60,031
baseline
▲ 0.50% · 4.625%
HK$63,684
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,062/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,843
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,528
−HK$1,710/mo
Today · 4.125%
HK$66,238
baseline
▲ 0.50% · 4.625%
HK$69,730
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,476/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,102 · Scale 2, in force from 26 Feb 2026)