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$31,370
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,346
−HK$991/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,366
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,899
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,835
−HK$949/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,190/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,439
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,002
−HK$1,139/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,388/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,858
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,169
−HK$1,329/mo
Today · 4.125%
HK$51,498
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,996/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,466
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,785/mo
Today · 4.125%
HK$60,007
baseline
▲ 0.50% · 4.625%
HK$63,658
+HK$3,651/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,014/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,818
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,502
−HK$1,710/mo
Today · 4.125%
HK$66,212
baseline
▲ 0.50% · 4.625%
HK$69,702
+HK$3,490/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,424/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,895 · Scale 2, in force from 26 Feb 2026)