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$31,433
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$994/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,436
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,969
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,906
−HK$952/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,193/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,088
−HK$1,141/mo
Today · 4.125%
HK$44,229
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,332/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,458/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,006
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,390/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,611
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,956
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,269
−HK$1,332/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,579
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,339
−HK$1,788/mo
Today · 4.125%
HK$60,127
baseline
▲ 0.50% · 4.625%
HK$63,785
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,254/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,943
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,631
−HK$1,713/mo
Today · 4.125%
HK$66,344
baseline
▲ 0.50% · 4.625%
HK$69,841
+HK$3,497/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,688/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,927 · Scale 2, in force from 26 Feb 2026)