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$31,345
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,320
−HK$990/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,337
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,806
−HK$949/mo
Today · 4.125%
HK$36,755
baseline
▲ 0.50% · 4.625%
HK$38,692
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,510/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,614
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,784
−HK$1,188/mo
Today · 4.125%
HK$39,972
baseline
▲ 0.50% · 4.625%
HK$42,405
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,944/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,139/mo
Today · 4.125%
HK$44,106
baseline
▲ 0.50% · 4.625%
HK$46,431
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,212/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,883
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,248
−HK$1,387/mo
Today · 4.125%
HK$46,635
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,270/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,329/mo
Today · 4.125%
HK$51,457
baseline
▲ 0.50% · 4.625%
HK$54,169
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,914/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,421
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,176
−HK$1,783/mo
Today · 4.125%
HK$59,959
baseline
▲ 0.50% · 4.625%
HK$63,607
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,918/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,767
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,451
−HK$1,708/mo
Today · 4.125%
HK$66,159
baseline
▲ 0.50% · 4.625%
HK$69,646
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,318/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,482 · Scale 2, in force from 26 Feb 2026)