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$31,331
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$990/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$949/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,188/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,138/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,323/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,864
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,386/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,451
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,798
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,107
−HK$1,327/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,145
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,150
−HK$1,783/mo
Today · 4.125%
HK$59,933
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,866/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,423
−HK$1,707/mo
Today · 4.125%
HK$66,130
baseline
▲ 0.50% · 4.625%
HK$69,616
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,260/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,258 · Scale 2, in force from 26 Feb 2026)