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$31,444
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,422
−HK$994/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,449
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,919
−HK$952/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$38,814
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,193/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,539
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,977
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,103
−HK$1,142/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,577
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,021
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,391/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,287
−HK$1,332/mo
Today · 4.125%
HK$51,619
baseline
▲ 0.50% · 4.625%
HK$54,340
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,238/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,599
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,359
−HK$1,789/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,808
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,966
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,654
−HK$1,714/mo
Today · 4.125%
HK$66,368
baseline
▲ 0.50% · 4.625%
HK$69,866
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,736/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,110 · Scale 2, in force from 26 Feb 2026)