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$31,390
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,366
−HK$992/mo
Today · 4.125%
HK$33,358
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,716/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,921
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,857
−HK$951/mo
Today · 4.125%
HK$36,808
baseline
▲ 0.50% · 4.625%
HK$38,748
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,616/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,668
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,840
−HK$1,190/mo
Today · 4.125%
HK$40,030
baseline
▲ 0.50% · 4.625%
HK$42,466
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,060/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,905
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,029
−HK$1,140/mo
Today · 4.125%
HK$44,169
baseline
▲ 0.50% · 4.625%
HK$46,497
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,338/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,946
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,389/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,889
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,200
−HK$1,331/mo
Today · 4.125%
HK$51,531
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,062/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,502
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,259
−HK$1,786/mo
Today · 4.125%
HK$60,045
baseline
▲ 0.50% · 4.625%
HK$63,698
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,090/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,858
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,543
−HK$1,711/mo
Today · 4.125%
HK$66,254
baseline
▲ 0.50% · 4.625%
HK$69,746
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,508/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,223 · Scale 2, in force from 26 Feb 2026)