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$31,404
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$993/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$2,030/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,874
−HK$950/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,685
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,191/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,924
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,140/mo
Today · 4.125%
HK$44,189
baseline
▲ 0.50% · 4.625%
HK$46,519
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,378/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,966
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,334
−HK$1,389/mo
Today · 4.125%
HK$46,723
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,446/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,912
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,223
−HK$1,331/mo
Today · 4.125%
HK$51,554
baseline
▲ 0.50% · 4.625%
HK$54,272
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,108/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,528
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,286
−HK$1,786/mo
Today · 4.125%
HK$60,072
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,144/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,886
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,573
−HK$1,711/mo
Today · 4.125%
HK$66,284
baseline
▲ 0.50% · 4.625%
HK$69,778
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,568/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,460 · Scale 2, in force from 26 Feb 2026)