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$31,396
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,372
−HK$993/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,395
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$951/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$38,755
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,847
−HK$1,191/mo
Today · 4.125%
HK$40,038
baseline
▲ 0.50% · 4.625%
HK$42,474
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,076/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,913
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,037
−HK$1,140/mo
Today · 4.125%
HK$44,177
baseline
▲ 0.50% · 4.625%
HK$46,506
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,354/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,954
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,321
−HK$1,389/mo
Today · 4.125%
HK$46,710
baseline
▲ 0.50% · 4.625%
HK$49,553
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,420/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,210
−HK$1,330/mo
Today · 4.125%
HK$51,540
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,080/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,512
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,270
−HK$1,786/mo
Today · 4.125%
HK$60,056
baseline
▲ 0.50% · 4.625%
HK$63,711
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,112/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,556
−HK$1,710/mo
Today · 4.125%
HK$66,266
baseline
▲ 0.50% · 4.625%
HK$69,759
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,532/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,321 · Scale 2, in force from 26 Feb 2026)