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$31,380
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$992/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,846
−HK$950/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,827
−HK$1,190/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,452
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,892
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,016
−HK$1,139/mo
Today · 4.125%
HK$44,155
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,328/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,310/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,932
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,299
−HK$1,388/mo
Today · 4.125%
HK$46,687
baseline
▲ 0.50% · 4.625%
HK$49,528
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,374/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,874
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,185
−HK$1,330/mo
Today · 4.125%
HK$51,515
baseline
▲ 0.50% · 4.625%
HK$54,230
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,030/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,484
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,241
−HK$1,785/mo
Today · 4.125%
HK$60,026
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,052/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,838
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,523
−HK$1,710/mo
Today · 4.125%
HK$66,233
baseline
▲ 0.50% · 4.625%
HK$69,724
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,466/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,062 · Scale 2, in force from 26 Feb 2026)