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$31,362
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$991/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,890
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,825
−HK$950/mo
Today · 4.125%
HK$36,775
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,550/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,189/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,428
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,868
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,140/mo
Today · 4.125%
HK$44,130
baseline
▲ 0.50% · 4.625%
HK$46,456
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,260/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,906
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,272
−HK$1,388/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,499
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,845
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,155
−HK$1,329/mo
Today · 4.125%
HK$51,484
baseline
▲ 0.50% · 4.625%
HK$54,198
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,968/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,451
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,207
−HK$1,784/mo
Today · 4.125%
HK$59,991
baseline
▲ 0.50% · 4.625%
HK$63,641
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,982/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,801
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,486
−HK$1,708/mo
Today · 4.125%
HK$66,194
baseline
▲ 0.50% · 4.625%
HK$69,683
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,388/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,761 · Scale 2, in force from 26 Feb 2026)