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$31,344
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$990/mo
Today · 4.125%
HK$33,309
baseline
▲ 0.50% · 4.625%
HK$35,336
+HK$2,027/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$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$948/mo
Today · 4.125%
HK$36,753
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$1,938/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$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,612
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,782
−HK$1,189/mo
Today · 4.125%
HK$39,971
baseline
▲ 0.50% · 4.625%
HK$42,403
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,942/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,966
−HK$1,138/mo
Today · 4.125%
HK$44,104
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,208/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,881
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,246
−HK$1,387/mo
Today · 4.125%
HK$46,633
baseline
▲ 0.50% · 4.625%
HK$49,470
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,266/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,817
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,127
−HK$1,328/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,167
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,419
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,173
−HK$1,783/mo
Today · 4.125%
HK$59,956
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,649/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,912/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,765
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,448
−HK$1,708/mo
Today · 4.125%
HK$66,156
baseline
▲ 0.50% · 4.625%
HK$69,643
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,312/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,463 · Scale 2, in force from 26 Feb 2026)