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$31,398
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,375
−HK$992/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$2,031/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$950/mo
Today · 4.125%
HK$36,817
baseline
▲ 0.50% · 4.625%
HK$38,758
+HK$1,941/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,634/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,678
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,850
−HK$1,191/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,477
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,041
−HK$1,140/mo
Today · 4.125%
HK$44,181
baseline
▲ 0.50% · 4.625%
HK$46,510
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,362/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,958
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,325
−HK$1,389/mo
Today · 4.125%
HK$46,714
baseline
▲ 0.50% · 4.625%
HK$49,557
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,428/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,902
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,330/mo
Today · 4.125%
HK$51,544
baseline
▲ 0.50% · 4.625%
HK$54,261
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,088/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,517
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,275
−HK$1,786/mo
Today · 4.125%
HK$60,061
baseline
▲ 0.50% · 4.625%
HK$63,716
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,122/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,875
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,561
−HK$1,710/mo
Today · 4.125%
HK$66,271
baseline
▲ 0.50% · 4.625%
HK$69,765
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,542/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,362 · Scale 2, in force from 26 Feb 2026)