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$31,331
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$990/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,855
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$948/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,188/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,826
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,948
−HK$1,138/mo
Today · 4.125%
HK$44,086
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,172/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,863
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,386/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,450
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,106
−HK$1,328/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,145
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,150
−HK$1,782/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,647/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,707/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$69,615
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,254 · Scale 2, in force from 26 Feb 2026)