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$31,393
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$992/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,924
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,861
−HK$950/mo
Today · 4.125%
HK$36,811
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$1,941/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,622/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,672
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,843
−HK$1,191/mo
Today · 4.125%
HK$40,034
baseline
▲ 0.50% · 4.625%
HK$42,470
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,068/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,909
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,033
−HK$1,141/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,502
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,348/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,317
−HK$1,389/mo
Today · 4.125%
HK$46,706
baseline
▲ 0.50% · 4.625%
HK$49,548
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,412/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,894
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,206
−HK$1,330/mo
Today · 4.125%
HK$51,536
baseline
▲ 0.50% · 4.625%
HK$54,252
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,072/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,508
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,265
−HK$1,786/mo
Today · 4.125%
HK$60,051
baseline
▲ 0.50% · 4.625%
HK$63,705
+HK$3,654/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,102/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,864
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,550
−HK$1,710/mo
Today · 4.125%
HK$66,260
baseline
▲ 0.50% · 4.625%
HK$69,753
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,520/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,276 · Scale 2, in force from 26 Feb 2026)