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$31,341
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$991/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,801
−HK$949/mo
Today · 4.125%
HK$36,750
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,500/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,609
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,778
−HK$1,189/mo
Today · 4.125%
HK$39,967
baseline
▲ 0.50% · 4.625%
HK$42,399
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,934/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,839
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,961
−HK$1,139/mo
Today · 4.125%
HK$44,100
baseline
▲ 0.50% · 4.625%
HK$46,424
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,200/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,877
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,242
−HK$1,386/mo
Today · 4.125%
HK$46,628
baseline
▲ 0.50% · 4.625%
HK$49,465
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,256/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,812
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,122
−HK$1,328/mo
Today · 4.125%
HK$51,450
baseline
▲ 0.50% · 4.625%
HK$54,162
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,900/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,413
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,168
−HK$1,782/mo
Today · 4.125%
HK$59,950
baseline
▲ 0.50% · 4.625%
HK$63,598
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,900/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,759
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,442
−HK$1,707/mo
Today · 4.125%
HK$66,149
baseline
▲ 0.50% · 4.625%
HK$69,636
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,298/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,411 · Scale 2, in force from 26 Feb 2026)