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$31,355
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$991/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$2,027/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$949/mo
Today · 4.125%
HK$36,766
baseline
▲ 0.50% · 4.625%
HK$38,704
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,532/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,626
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,189/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,418
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,858
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,139/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,445
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,897
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,387/mo
Today · 4.125%
HK$46,649
baseline
▲ 0.50% · 4.625%
HK$49,488
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,298/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,144
−HK$1,329/mo
Today · 4.125%
HK$51,473
baseline
▲ 0.50% · 4.625%
HK$54,186
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,946/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,438
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,194
−HK$1,784/mo
Today · 4.125%
HK$59,978
baseline
▲ 0.50% · 4.625%
HK$63,627
+HK$3,649/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,956/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,787
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,471
−HK$1,708/mo
Today · 4.125%
HK$66,179
baseline
▲ 0.50% · 4.625%
HK$69,668
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,358/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,644 · Scale 2, in force from 26 Feb 2026)