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$31,343
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$991/mo
Today · 4.125%
HK$33,309
baseline
▲ 0.50% · 4.625%
HK$35,335
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,618/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,804
−HK$949/mo
Today · 4.125%
HK$36,753
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,506/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,612
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,782
−HK$1,188/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,402
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,965
−HK$1,138/mo
Today · 4.125%
HK$44,103
baseline
▲ 0.50% · 4.625%
HK$46,428
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,206/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,880
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,387/mo
Today · 4.125%
HK$46,632
baseline
▲ 0.50% · 4.625%
HK$49,469
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,264/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,126
−HK$1,328/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,417
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,172
−HK$1,783/mo
Today · 4.125%
HK$59,955
baseline
▲ 0.50% · 4.625%
HK$63,603
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,910/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,764
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,447
−HK$1,708/mo
Today · 4.125%
HK$66,155
baseline
▲ 0.50% · 4.625%
HK$69,642
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,310/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,453 · Scale 2, in force from 26 Feb 2026)