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$31,401
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,378
−HK$992/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$2,030/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,740/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,933
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$950/mo
Today · 4.125%
HK$36,820
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,640/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,681
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,853
−HK$1,191/mo
Today · 4.125%
HK$40,044
baseline
▲ 0.50% · 4.625%
HK$42,480
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,088/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,920
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,141/mo
Today · 4.125%
HK$44,185
baseline
▲ 0.50% · 4.625%
HK$46,514
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,370/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,961
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,329
−HK$1,389/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,561
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,906
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,331/mo
Today · 4.125%
HK$51,549
baseline
▲ 0.50% · 4.625%
HK$54,266
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,098/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,521
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,280
−HK$1,786/mo
Today · 4.125%
HK$60,066
baseline
▲ 0.50% · 4.625%
HK$63,721
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,132/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,880
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,566
−HK$1,711/mo
Today · 4.125%
HK$66,277
baseline
▲ 0.50% · 4.625%
HK$69,770
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,554/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,403 · Scale 2, in force from 26 Feb 2026)