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$31,428
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$994/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,431
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,901
−HK$951/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,192/mo
Today · 4.125%
HK$40,078
baseline
▲ 0.50% · 4.625%
HK$42,517
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,156/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,956
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,081
−HK$1,141/mo
Today · 4.125%
HK$44,222
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,444/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,391/mo
Today · 4.125%
HK$46,758
baseline
▲ 0.50% · 4.625%
HK$49,603
+HK$2,845/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$93,516/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,948
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,261
−HK$1,332/mo
Today · 4.125%
HK$51,593
baseline
▲ 0.50% · 4.625%
HK$54,312
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$103,186/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,570
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,330
−HK$1,787/mo
Today · 4.125%
HK$60,117
baseline
▲ 0.50% · 4.625%
HK$63,775
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,234/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,933
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,713/mo
Today · 4.125%
HK$66,334
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,668/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,846 · Scale 2, in force from 26 Feb 2026)