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$31,393
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,369
−HK$992/mo
Today · 4.125%
HK$33,361
baseline
▲ 0.50% · 4.625%
HK$35,391
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,722/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,924
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,860
−HK$951/mo
Today · 4.125%
HK$36,811
baseline
▲ 0.50% · 4.625%
HK$38,751
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,622/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,843
−HK$1,190/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,469
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,909
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,033
−HK$1,140/mo
Today · 4.125%
HK$44,173
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,346/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,317
−HK$1,389/mo
Today · 4.125%
HK$46,706
baseline
▲ 0.50% · 4.625%
HK$49,547
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,412/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,893
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,205
−HK$1,330/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,251
+HK$2,716/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,507
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,264
−HK$1,786/mo
Today · 4.125%
HK$60,050
baseline
▲ 0.50% · 4.625%
HK$63,704
+HK$3,654/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,100/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,863
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,549
−HK$1,710/mo
Today · 4.125%
HK$66,259
baseline
▲ 0.50% · 4.625%
HK$69,752
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,518/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,267 · Scale 2, in force from 26 Feb 2026)