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$31,353
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,328
−HK$991/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$2,028/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,880
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$949/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,624
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,189/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,416
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,138/mo
Today · 4.125%
HK$44,117
baseline
▲ 0.50% · 4.625%
HK$46,443
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,234/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,894
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,260
−HK$1,387/mo
Today · 4.125%
HK$46,647
baseline
▲ 0.50% · 4.625%
HK$49,485
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,294/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,832
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,142
−HK$1,328/mo
Today · 4.125%
HK$51,470
baseline
▲ 0.50% · 4.625%
HK$54,183
+HK$2,713/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,940/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,436
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,191
−HK$1,784/mo
Today · 4.125%
HK$59,975
baseline
▲ 0.50% · 4.625%
HK$63,624
+HK$3,649/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,950/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,784
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,468
−HK$1,708/mo
Today · 4.125%
HK$66,176
baseline
▲ 0.50% · 4.625%
HK$69,664
+HK$3,488/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,352/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,620 · Scale 2, in force from 26 Feb 2026)