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$31,326
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$990/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,850
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$949/mo
Today · 4.125%
HK$36,733
baseline
▲ 0.50% · 4.625%
HK$38,669
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,466/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,591
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,188/mo
Today · 4.125%
HK$39,948
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,896/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,820
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,138/mo
Today · 4.125%
HK$44,079
baseline
▲ 0.50% · 4.625%
HK$46,403
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,158/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,386/mo
Today · 4.125%
HK$46,607
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,214/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,790
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,328/mo
Today · 4.125%
HK$51,426
baseline
▲ 0.50% · 4.625%
HK$54,136
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,852/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,387
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,141
−HK$1,782/mo
Today · 4.125%
HK$59,923
baseline
▲ 0.50% · 4.625%
HK$63,569
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,846/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,730
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,412
−HK$1,707/mo
Today · 4.125%
HK$66,119
baseline
▲ 0.50% · 4.625%
HK$69,604
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,238/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,172 · Scale 2, in force from 26 Feb 2026)