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$31,383
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$992/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,914
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,850
−HK$950/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$38,740
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,660
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,191/mo
Today · 4.125%
HK$40,022
baseline
▲ 0.50% · 4.625%
HK$42,457
+HK$2,435/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,044/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,896
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,020
−HK$1,140/mo
Today · 4.125%
HK$44,160
baseline
▲ 0.50% · 4.625%
HK$46,488
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,320/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,303
−HK$1,389/mo
Today · 4.125%
HK$46,692
baseline
▲ 0.50% · 4.625%
HK$49,533
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,384/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,879
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,190
−HK$1,330/mo
Today · 4.125%
HK$51,520
baseline
▲ 0.50% · 4.625%
HK$54,235
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,040/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,490
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,247
−HK$1,785/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,685
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,844
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,530
−HK$1,710/mo
Today · 4.125%
HK$66,240
baseline
▲ 0.50% · 4.625%
HK$69,731
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,480/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,114 · Scale 2, in force from 26 Feb 2026)