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$31,387
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,363
−HK$992/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,918
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$950/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$38,744
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,664
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,190/mo
Today · 4.125%
HK$40,026
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,052/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,901
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,025
−HK$1,140/mo
Today · 4.125%
HK$44,165
baseline
▲ 0.50% · 4.625%
HK$46,493
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,330/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,942
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,309
−HK$1,388/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,539
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,885
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,196
−HK$1,330/mo
Today · 4.125%
HK$51,526
baseline
▲ 0.50% · 4.625%
HK$54,242
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,052/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,497
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,254
−HK$1,785/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,693
+HK$3,654/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,852
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,538
−HK$1,710/mo
Today · 4.125%
HK$66,248
baseline
▲ 0.50% · 4.625%
HK$69,740
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,496/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,176 · Scale 2, in force from 26 Feb 2026)