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$31,379
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,355
−HK$991/mo
Today · 4.125%
HK$33,346
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,692/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,908
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$949/mo
Today · 4.125%
HK$36,794
baseline
▲ 0.50% · 4.625%
HK$38,734
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,588/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,825
−HK$1,190/mo
Today · 4.125%
HK$40,015
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,030/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,890
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,013
−HK$1,140/mo
Today · 4.125%
HK$44,153
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,328/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,306/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,930
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,296
−HK$1,389/mo
Today · 4.125%
HK$46,685
baseline
▲ 0.50% · 4.625%
HK$49,525
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,370/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,872
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,182
−HK$1,330/mo
Today · 4.125%
HK$51,512
baseline
▲ 0.50% · 4.625%
HK$54,227
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,024/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,481
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,238
−HK$1,785/mo
Today · 4.125%
HK$60,023
baseline
▲ 0.50% · 4.625%
HK$63,676
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,046/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,835
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,520
−HK$1,710/mo
Today · 4.125%
HK$66,230
baseline
▲ 0.50% · 4.625%
HK$69,721
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,460/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,037 · Scale 2, in force from 26 Feb 2026)