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$31,366
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$992/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$949/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$38,718
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,189/mo
Today · 4.125%
HK$39,999
baseline
▲ 0.50% · 4.625%
HK$42,433
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,998/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,139/mo
Today · 4.125%
HK$44,135
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,270/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,912
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,278
−HK$1,388/mo
Today · 4.125%
HK$46,666
baseline
▲ 0.50% · 4.625%
HK$49,505
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,332/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,852
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,162
−HK$1,329/mo
Today · 4.125%
HK$51,491
baseline
▲ 0.50% · 4.625%
HK$54,205
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,982/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,458
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,215
−HK$1,784/mo
Today · 4.125%
HK$59,999
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,651/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,998/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,809
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,494
−HK$1,709/mo
Today · 4.125%
HK$66,203
baseline
▲ 0.50% · 4.625%
HK$69,693
+HK$3,490/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,406/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,828 · Scale 2, in force from 26 Feb 2026)