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$1,967/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$991/mo
Today · 4.125%
HK$33,347
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,694/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,055 · 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$38,735
+HK$1,939/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$516,055 · 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$516,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,891
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,015
−HK$1,140/mo
Today · 4.125%
HK$44,155
baseline
▲ 0.50% · 4.625%
HK$46,482
+HK$2,327/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$516,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,931
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,298
−HK$1,388/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,184
−HK$1,330/mo
Today · 4.125%
HK$51,514
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,028/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,483
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,240
−HK$1,785/mo
Today · 4.125%
HK$60,025
baseline
▲ 0.50% · 4.625%
HK$63,678
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,050/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,837
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,522
−HK$1,710/mo
Today · 4.125%
HK$66,232
baseline
▲ 0.50% · 4.625%
HK$69,723
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,464/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,055 · Scale 2, in force from 26 Feb 2026)