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$31,347
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$991/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,873
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,808
−HK$949/mo
Today · 4.125%
HK$36,757
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$1,938/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,514/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,616
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,189/mo
Today · 4.125%
HK$39,975
baseline
▲ 0.50% · 4.625%
HK$42,407
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,950/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,848
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,970
−HK$1,139/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,886
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,387/mo
Today · 4.125%
HK$46,638
baseline
▲ 0.50% · 4.625%
HK$49,475
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,276/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,822
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,132
−HK$1,328/mo
Today · 4.125%
HK$51,460
baseline
▲ 0.50% · 4.625%
HK$54,173
+HK$2,713/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,920/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,424
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,179
−HK$1,784/mo
Today · 4.125%
HK$59,963
baseline
▲ 0.50% · 4.625%
HK$63,611
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,926/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,771
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,455
−HK$1,708/mo
Today · 4.125%
HK$66,163
baseline
▲ 0.50% · 4.625%
HK$69,650
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,326/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,516 · Scale 2, in force from 26 Feb 2026)