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$31,356
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,331
−HK$991/mo
Today · 4.125%
HK$33,322
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,644/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$949/mo
Today · 4.125%
HK$36,768
baseline
▲ 0.50% · 4.625%
HK$38,706
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,536/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,189/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,982
−HK$1,139/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,447
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,387/mo
Today · 4.125%
HK$46,651
baseline
▲ 0.50% · 4.625%
HK$49,490
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,302/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,836
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,329/mo
Today · 4.125%
HK$51,475
baseline
▲ 0.50% · 4.625%
HK$54,188
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,950/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,441
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,196
−HK$1,784/mo
Today · 4.125%
HK$59,980
baseline
▲ 0.50% · 4.625%
HK$63,630
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,960/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,790
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,474
−HK$1,708/mo
Today · 4.125%
HK$66,182
baseline
▲ 0.50% · 4.625%
HK$69,671
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,364/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,665 · Scale 2, in force from 26 Feb 2026)