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$31,327
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$990/mo
Today · 4.125%
HK$33,291
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,582/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,850
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,785
−HK$948/mo
Today · 4.125%
HK$36,733
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,466/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,592
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,761
−HK$1,188/mo
Today · 4.125%
HK$39,949
baseline
▲ 0.50% · 4.625%
HK$42,380
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,898/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,821
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,942
−HK$1,138/mo
Today · 4.125%
HK$44,080
baseline
▲ 0.50% · 4.625%
HK$46,404
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,160/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,857
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,386/mo
Today · 4.125%
HK$46,607
baseline
▲ 0.50% · 4.625%
HK$49,443
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,214/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,791
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,099
−HK$1,328/mo
Today · 4.125%
HK$51,427
baseline
▲ 0.50% · 4.625%
HK$54,137
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,854/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,388
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,142
−HK$1,782/mo
Today · 4.125%
HK$59,924
baseline
▲ 0.50% · 4.625%
HK$63,570
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,848/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,731
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,413
−HK$1,707/mo
Today · 4.125%
HK$66,120
baseline
▲ 0.50% · 4.625%
HK$69,605
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,240/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,182 · Scale 2, in force from 26 Feb 2026)