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$31,400
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$992/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,399
+HK$2,030/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,869
−HK$950/mo
Today · 4.125%
HK$36,819
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,638/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,680
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,191/mo
Today · 4.125%
HK$40,043
baseline
▲ 0.50% · 4.625%
HK$42,479
+HK$2,436/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,086/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,919
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,043
−HK$1,140/mo
Today · 4.125%
HK$44,183
baseline
▲ 0.50% · 4.625%
HK$46,512
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,366/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,960
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,327
−HK$1,390/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,559
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,330/mo
Today · 4.125%
HK$51,547
baseline
▲ 0.50% · 4.625%
HK$54,264
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,094/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,520
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,278
−HK$1,786/mo
Today · 4.125%
HK$60,064
baseline
▲ 0.50% · 4.625%
HK$63,719
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,128/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,878
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,564
−HK$1,711/mo
Today · 4.125%
HK$66,275
baseline
▲ 0.50% · 4.625%
HK$69,768
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,550/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,389 · Scale 2, in force from 26 Feb 2026)