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$31,360
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,336
−HK$991/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$2,027/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,823
−HK$950/mo
Today · 4.125%
HK$36,773
baseline
▲ 0.50% · 4.625%
HK$38,711
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,546/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,632
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,189/mo
Today · 4.125%
HK$39,992
baseline
▲ 0.50% · 4.625%
HK$42,425
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,984/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,865
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,988
−HK$1,139/mo
Today · 4.125%
HK$44,127
baseline
▲ 0.50% · 4.625%
HK$46,453
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,254/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,904
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,270
−HK$1,387/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,496
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,843
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,329/mo
Today · 4.125%
HK$51,482
baseline
▲ 0.50% · 4.625%
HK$54,195
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,964/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,448
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,204
−HK$1,784/mo
Today · 4.125%
HK$59,988
baseline
▲ 0.50% · 4.625%
HK$63,638
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,976/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,798
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,482
−HK$1,709/mo
Today · 4.125%
HK$66,191
baseline
▲ 0.50% · 4.625%
HK$69,680
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,382/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,734 · Scale 2, in force from 26 Feb 2026)