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$31,405
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$992/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,405
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$950/mo
Today · 4.125%
HK$36,825
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,650/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,686
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,191/mo
Today · 4.125%
HK$40,049
baseline
▲ 0.50% · 4.625%
HK$42,486
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,098/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,925
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,140/mo
Today · 4.125%
HK$44,190
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,380/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,967
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,335
−HK$1,389/mo
Today · 4.125%
HK$46,724
baseline
▲ 0.50% · 4.625%
HK$49,567
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,448/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,913
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,225
−HK$1,330/mo
Today · 4.125%
HK$51,555
baseline
▲ 0.50% · 4.625%
HK$54,273
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,110/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,529
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,287
−HK$1,787/mo
Today · 4.125%
HK$60,074
baseline
▲ 0.50% · 4.625%
HK$63,729
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,148/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,888
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,574
−HK$1,711/mo
Today · 4.125%
HK$66,285
baseline
▲ 0.50% · 4.625%
HK$69,779
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,570/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,471 · Scale 2, in force from 26 Feb 2026)