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$31,358
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,334
−HK$991/mo
Today · 4.125%
HK$33,325
baseline
▲ 0.50% · 4.625%
HK$35,352
+HK$2,027/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,650/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,886
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,821
−HK$949/mo
Today · 4.125%
HK$36,770
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,540/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,630
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,189/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,423
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,863
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,985
−HK$1,139/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,248/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,387/mo
Today · 4.125%
HK$46,654
baseline
▲ 0.50% · 4.625%
HK$49,493
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,308/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,840
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,150
−HK$1,328/mo
Today · 4.125%
HK$51,478
baseline
▲ 0.50% · 4.625%
HK$54,192
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,956/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,445
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,200
−HK$1,784/mo
Today · 4.125%
HK$59,984
baseline
▲ 0.50% · 4.625%
HK$63,634
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,968/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,794
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,478
−HK$1,709/mo
Today · 4.125%
HK$66,187
baseline
▲ 0.50% · 4.625%
HK$69,675
+HK$3,488/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,374/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,701 · Scale 2, in force from 26 Feb 2026)