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$31,388
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,364
−HK$992/mo
Today · 4.125%
HK$33,356
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,712/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,918
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,855
−HK$950/mo
Today · 4.125%
HK$36,805
baseline
▲ 0.50% · 4.625%
HK$38,745
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,610/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,665
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,190/mo
Today · 4.125%
HK$40,027
baseline
▲ 0.50% · 4.625%
HK$42,463
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,054/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,902
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,026
−HK$1,140/mo
Today · 4.125%
HK$44,166
baseline
▲ 0.50% · 4.625%
HK$46,494
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,332/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,943
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,309
−HK$1,389/mo
Today · 4.125%
HK$46,698
baseline
▲ 0.50% · 4.625%
HK$49,540
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,396/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,886
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,197
−HK$1,330/mo
Today · 4.125%
HK$51,527
baseline
▲ 0.50% · 4.625%
HK$54,243
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,054/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,498
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,255
−HK$1,786/mo
Today · 4.125%
HK$60,041
baseline
▲ 0.50% · 4.625%
HK$63,694
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,082/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,853
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,539
−HK$1,710/mo
Today · 4.125%
HK$66,249
baseline
▲ 0.50% · 4.625%
HK$69,741
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,498/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,185 · Scale 2, in force from 26 Feb 2026)