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$31,334
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$990/mo
Today · 4.125%
HK$33,299
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,598/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$949/mo
Today · 4.125%
HK$36,743
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,486/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,601
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,188/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,138/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,386/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,456
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,328/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,402
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,156
−HK$1,783/mo
Today · 4.125%
HK$59,939
baseline
▲ 0.50% · 4.625%
HK$63,586
+HK$3,647/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,878/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,747
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,429
−HK$1,708/mo
Today · 4.125%
HK$66,137
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,274/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,311 · Scale 2, in force from 26 Feb 2026)