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$31,351
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,326
−HK$991/mo
Today · 4.125%
HK$33,317
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$2,028/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,634/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,878
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,813
−HK$949/mo
Today · 4.125%
HK$36,762
baseline
▲ 0.50% · 4.625%
HK$38,700
+HK$1,938/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,524/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,621
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,792
−HK$1,189/mo
Today · 4.125%
HK$39,981
baseline
▲ 0.50% · 4.625%
HK$42,413
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,962/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,854
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,139/mo
Today · 4.125%
HK$44,115
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,230/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,257
−HK$1,387/mo
Today · 4.125%
HK$46,644
baseline
▲ 0.50% · 4.625%
HK$49,482
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,288/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,139
−HK$1,328/mo
Today · 4.125%
HK$51,467
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$2,713/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,934/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,432
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,188
−HK$1,783/mo
Today · 4.125%
HK$59,971
baseline
▲ 0.50% · 4.625%
HK$63,620
+HK$3,649/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,942/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,780
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,464
−HK$1,708/mo
Today · 4.125%
HK$66,172
baseline
▲ 0.50% · 4.625%
HK$69,660
+HK$3,488/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,344/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,588 · Scale 2, in force from 26 Feb 2026)