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$31,370
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,345
−HK$992/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,365
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,898
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,834
−HK$950/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,189/mo
Today · 4.125%
HK$40,004
baseline
▲ 0.50% · 4.625%
HK$42,438
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$80,008/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,001
−HK$1,140/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,467
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,388/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,511
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,858
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,168
−HK$1,329/mo
Today · 4.125%
HK$51,497
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,994/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,465
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,784/mo
Today · 4.125%
HK$60,006
baseline
▲ 0.50% · 4.625%
HK$63,658
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,012/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,817
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,502
−HK$1,709/mo
Today · 4.125%
HK$66,211
baseline
▲ 0.50% · 4.625%
HK$69,701
+HK$3,490/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,422/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,891 · Scale 2, in force from 26 Feb 2026)