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$31,373
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,349
−HK$991/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,369
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,902
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$950/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$38,727
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,648
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,189/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,443
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,006
−HK$1,139/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,472
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,922
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,389/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,863
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,329/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,218
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,471
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,228
−HK$1,785/mo
Today · 4.125%
HK$60,013
baseline
▲ 0.50% · 4.625%
HK$63,664
+HK$3,651/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,026/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,824
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,509
−HK$1,709/mo
Today · 4.125%
HK$66,218
baseline
▲ 0.50% · 4.625%
HK$69,709
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,436/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,946 · Scale 2, in force from 26 Feb 2026)