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$1,967/mo
▼ 0.25% · 3.875%
HK$32,331
−HK$991/mo
Today · 4.125%
HK$33,322
baseline
▲ 0.50% · 4.625%
HK$35,349
+HK$2,027/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,644/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$949/mo
Today · 4.125%
HK$36,767
baseline
▲ 0.50% · 4.625%
HK$38,705
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,534/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,797
−HK$1,189/mo
Today · 4.125%
HK$39,986
baseline
▲ 0.50% · 4.625%
HK$42,419
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,972/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,859
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,982
−HK$1,139/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,387/mo
Today · 4.125%
HK$46,650
baseline
▲ 0.50% · 4.625%
HK$49,489
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,300/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,836
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,145
−HK$1,329/mo
Today · 4.125%
HK$51,474
baseline
▲ 0.50% · 4.625%
HK$54,187
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,948/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,440
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,195
−HK$1,784/mo
Today · 4.125%
HK$59,979
baseline
▲ 0.50% · 4.625%
HK$63,629
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,958/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,789
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,708/mo
Today · 4.125%
HK$66,181
baseline
▲ 0.50% · 4.625%
HK$69,670
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,362/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,658 · Scale 2, in force from 26 Feb 2026)