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$31,399
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$992/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$2,030/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,931
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,868
−HK$950/mo
Today · 4.125%
HK$36,818
baseline
▲ 0.50% · 4.625%
HK$38,759
+HK$1,941/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,636/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,190/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,917
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,041
−HK$1,141/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,958
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,389/mo
Today · 4.125%
HK$46,715
baseline
▲ 0.50% · 4.625%
HK$49,557
+HK$2,842/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,430/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,903
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,215
−HK$1,330/mo
Today · 4.125%
HK$51,545
baseline
▲ 0.50% · 4.625%
HK$54,262
+HK$2,717/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,090/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,518
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,276
−HK$1,786/mo
Today · 4.125%
HK$60,062
baseline
▲ 0.50% · 4.625%
HK$63,717
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,124/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,876
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,562
−HK$1,711/mo
Today · 4.125%
HK$66,273
baseline
▲ 0.50% · 4.625%
HK$69,766
+HK$3,493/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,546/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,370 · Scale 2, in force from 26 Feb 2026)