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$31,366
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,342
−HK$991/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,362
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,895
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$949/mo
Today · 4.125%
HK$36,780
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,560/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,189/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,434
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,874
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,139/mo
Today · 4.125%
HK$44,136
baseline
▲ 0.50% · 4.625%
HK$46,463
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,272/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,913
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,279
−HK$1,388/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,853
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,163
−HK$1,329/mo
Today · 4.125%
HK$51,492
baseline
▲ 0.50% · 4.625%
HK$54,206
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,984/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,460
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,216
−HK$1,784/mo
Today · 4.125%
HK$60,000
baseline
▲ 0.50% · 4.625%
HK$63,651
+HK$3,651/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,000/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,811
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,495
−HK$1,709/mo
Today · 4.125%
HK$66,204
baseline
▲ 0.50% · 4.625%
HK$69,694
+HK$3,490/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,408/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,838 · Scale 2, in force from 26 Feb 2026)