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$31,348
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,324
−HK$990/mo
Today · 4.125%
HK$33,314
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,628/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$949/mo
Today · 4.125%
HK$36,759
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$1,938/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,518/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,618
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,189/mo
Today · 4.125%
HK$39,977
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,954/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,972
−HK$1,139/mo
Today · 4.125%
HK$44,111
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,222/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,888
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,253
−HK$1,387/mo
Today · 4.125%
HK$46,640
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,280/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,825
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,134
−HK$1,329/mo
Today · 4.125%
HK$51,463
baseline
▲ 0.50% · 4.625%
HK$54,175
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,926/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,427
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,182
−HK$1,784/mo
Today · 4.125%
HK$59,966
baseline
▲ 0.50% · 4.625%
HK$63,614
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,932/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,775
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,458
−HK$1,708/mo
Today · 4.125%
HK$66,166
baseline
▲ 0.50% · 4.625%
HK$69,654
+HK$3,488/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,332/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,541 · Scale 2, in force from 26 Feb 2026)