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$31,390
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$992/mo
Today · 4.125%
HK$33,359
baseline
▲ 0.50% · 4.625%
HK$35,389
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,718/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,858
−HK$950/mo
Today · 4.125%
HK$36,808
baseline
▲ 0.50% · 4.625%
HK$38,748
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,616/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,669
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,840
−HK$1,191/mo
Today · 4.125%
HK$40,031
baseline
▲ 0.50% · 4.625%
HK$42,466
+HK$2,435/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,062/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,906
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,140/mo
Today · 4.125%
HK$44,170
baseline
▲ 0.50% · 4.625%
HK$46,498
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,340/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,947
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,314
−HK$1,388/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,544
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,890
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,201
−HK$1,331/mo
Today · 4.125%
HK$51,532
baseline
▲ 0.50% · 4.625%
HK$54,248
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,064/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,503
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,260
−HK$1,786/mo
Today · 4.125%
HK$60,046
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,654/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,092/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,859
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,710/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,232 · Scale 2, in force from 26 Feb 2026)