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$31,330
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$991/mo
Today · 4.125%
HK$33,295
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,590/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$948/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,674
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,596
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,765
−HK$1,188/mo
Today · 4.125%
HK$39,953
baseline
▲ 0.50% · 4.625%
HK$42,385
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,906/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,825
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,138/mo
Today · 4.125%
HK$44,085
baseline
▲ 0.50% · 4.625%
HK$46,408
+HK$2,323/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,170/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,862
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,226
−HK$1,386/mo
Today · 4.125%
HK$46,612
baseline
▲ 0.50% · 4.625%
HK$49,449
+HK$2,837/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,224/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,796
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,105
−HK$1,327/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,143
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,394
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,148
−HK$1,782/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,577
+HK$3,647/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,738
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,420
−HK$1,707/mo
Today · 4.125%
HK$66,127
baseline
▲ 0.50% · 4.625%
HK$69,613
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,254/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,237 · Scale 2, in force from 26 Feb 2026)