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$31,376
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,352
−HK$992/mo
Today · 4.125%
HK$33,344
baseline
▲ 0.50% · 4.625%
HK$35,373
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,688/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,906
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,842
−HK$950/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,823
−HK$1,190/mo
Today · 4.125%
HK$40,013
baseline
▲ 0.50% · 4.625%
HK$42,448
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,026/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,887
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,011
−HK$1,139/mo
Today · 4.125%
HK$44,150
baseline
▲ 0.50% · 4.625%
HK$46,477
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,300/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,927
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,293
−HK$1,389/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,522
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,868
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,179
−HK$1,330/mo
Today · 4.125%
HK$51,509
baseline
▲ 0.50% · 4.625%
HK$54,224
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,018/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,478
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,234
−HK$1,785/mo
Today · 4.125%
HK$60,019
baseline
▲ 0.50% · 4.625%
HK$63,671
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,038/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,831
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,516
−HK$1,709/mo
Today · 4.125%
HK$66,225
baseline
▲ 0.50% · 4.625%
HK$69,716
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,450/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,003 · Scale 2, in force from 26 Feb 2026)