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$31,413
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,390
−HK$993/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,414
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$950/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,695
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,191/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,060
−HK$1,141/mo
Today · 4.125%
HK$44,201
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,402/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,978
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,346
−HK$1,390/mo
Today · 4.125%
HK$46,736
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,472/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,331/mo
Today · 4.125%
HK$51,568
baseline
▲ 0.50% · 4.625%
HK$54,286
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,136/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,543
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,302
−HK$1,787/mo
Today · 4.125%
HK$60,089
baseline
▲ 0.50% · 4.625%
HK$63,745
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,178/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,904
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,591
−HK$1,711/mo
Today · 4.125%
HK$66,302
baseline
▲ 0.50% · 4.625%
HK$69,797
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,604/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,600 · Scale 2, in force from 26 Feb 2026)