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$31,374
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$992/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$949/mo
Today · 4.125%
HK$36,789
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,578/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,820
−HK$1,190/mo
Today · 4.125%
HK$40,010
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,020/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,884
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,008
−HK$1,139/mo
Today · 4.125%
HK$44,147
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,294/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,388/mo
Today · 4.125%
HK$46,678
baseline
▲ 0.50% · 4.625%
HK$49,519
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,356/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,865
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,329/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,220
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,474
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,230
−HK$1,785/mo
Today · 4.125%
HK$60,015
baseline
▲ 0.50% · 4.625%
HK$63,667
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,030/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,826
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,511
−HK$1,710/mo
Today · 4.125%
HK$66,221
baseline
▲ 0.50% · 4.625%
HK$69,711
+HK$3,490/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,442/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,967 · Scale 2, in force from 26 Feb 2026)