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$31,409
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,386
−HK$993/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,942
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,880
−HK$950/mo
Today · 4.125%
HK$36,830
baseline
▲ 0.50% · 4.625%
HK$38,772
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,660/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,691
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,192/mo
Today · 4.125%
HK$40,055
baseline
▲ 0.50% · 4.625%
HK$42,492
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,110/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,931
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,055
−HK$1,141/mo
Today · 4.125%
HK$44,196
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,392/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,973
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,389/mo
Today · 4.125%
HK$46,730
baseline
▲ 0.50% · 4.625%
HK$49,574
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,460/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,919
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,231
−HK$1,331/mo
Today · 4.125%
HK$51,562
baseline
▲ 0.50% · 4.625%
HK$54,280
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,124/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,537
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,295
−HK$1,787/mo
Today · 4.125%
HK$60,082
baseline
▲ 0.50% · 4.625%
HK$63,738
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,164/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,896
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,583
−HK$1,711/mo
Today · 4.125%
HK$66,294
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,588/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,541 · Scale 2, in force from 26 Feb 2026)