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$31,433
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,411
−HK$993/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,969
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,907
−HK$951/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,720
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,192/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,963
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,088
−HK$1,142/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,562
+HK$2,332/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,007
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,391/mo
Today · 4.125%
HK$46,766
baseline
▲ 0.50% · 4.625%
HK$49,612
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,532/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,957
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,270
−HK$1,332/mo
Today · 4.125%
HK$51,602
baseline
▲ 0.50% · 4.625%
HK$54,322
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,204/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,580
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,340
−HK$1,788/mo
Today · 4.125%
HK$60,128
baseline
▲ 0.50% · 4.625%
HK$63,786
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,256/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,944
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,633
−HK$1,712/mo
Today · 4.125%
HK$66,345
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$3,497/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,690/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,936 · Scale 2, in force from 26 Feb 2026)