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$31,385
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$992/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,915
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,851
−HK$950/mo
Today · 4.125%
HK$36,801
baseline
▲ 0.50% · 4.625%
HK$38,741
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,602/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,190/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,459
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,898
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,022
−HK$1,140/mo
Today · 4.125%
HK$44,162
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,327/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,324/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,938
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,305
−HK$1,389/mo
Today · 4.125%
HK$46,694
baseline
▲ 0.50% · 4.625%
HK$49,535
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,388/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,881
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,192
−HK$1,330/mo
Today · 4.125%
HK$51,522
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,044/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,786/mo
Today · 4.125%
HK$60,035
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,070/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,847
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,533
−HK$1,709/mo
Today · 4.125%
HK$66,242
baseline
▲ 0.50% · 4.625%
HK$69,734
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,484/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,136 · Scale 2, in force from 26 Feb 2026)