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$31,417
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$993/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,952
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,889
−HK$951/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,701
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,874
−HK$1,191/mo
Today · 4.125%
HK$40,065
baseline
▲ 0.50% · 4.625%
HK$42,503
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,130/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,942
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,067
−HK$1,141/mo
Today · 4.125%
HK$44,208
baseline
▲ 0.50% · 4.625%
HK$46,538
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,416/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,984
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,352
−HK$1,391/mo
Today · 4.125%
HK$46,743
baseline
▲ 0.50% · 4.625%
HK$49,587
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,486/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,932
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,332/mo
Today · 4.125%
HK$51,576
baseline
▲ 0.50% · 4.625%
HK$54,294
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,152/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,551
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,310
−HK$1,788/mo
Today · 4.125%
HK$60,098
baseline
▲ 0.50% · 4.625%
HK$63,754
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,196/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,913
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,600
−HK$1,712/mo
Today · 4.125%
HK$66,312
baseline
▲ 0.50% · 4.625%
HK$69,807
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,624/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,676 · Scale 2, in force from 26 Feb 2026)