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$31,378
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,354
−HK$992/mo
Today · 4.125%
HK$33,346
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,692/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,908
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,844
−HK$950/mo
Today · 4.125%
HK$36,794
baseline
▲ 0.50% · 4.625%
HK$38,733
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,588/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,825
−HK$1,190/mo
Today · 4.125%
HK$40,015
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,030/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,889
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,013
−HK$1,139/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,480
+HK$2,328/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,929
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,296
−HK$1,388/mo
Today · 4.125%
HK$46,684
baseline
▲ 0.50% · 4.625%
HK$49,525
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,368/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,871
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,181
−HK$1,330/mo
Today · 4.125%
HK$51,511
baseline
▲ 0.50% · 4.625%
HK$54,226
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,022/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,480
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,237
−HK$1,785/mo
Today · 4.125%
HK$60,022
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,044/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,834
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,519
−HK$1,710/mo
Today · 4.125%
HK$66,229
baseline
▲ 0.50% · 4.625%
HK$69,720
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,458/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,028 · Scale 2, in force from 26 Feb 2026)