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$31,402
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$993/mo
Today · 4.125%
HK$33,372
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$2,030/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,744/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,935
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$950/mo
Today · 4.125%
HK$36,822
baseline
▲ 0.50% · 4.625%
HK$38,763
+HK$1,941/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,644/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,683
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,855
−HK$1,191/mo
Today · 4.125%
HK$40,046
baseline
▲ 0.50% · 4.625%
HK$42,483
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,092/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,922
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,046
−HK$1,141/mo
Today · 4.125%
HK$44,187
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,374/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,963
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,389/mo
Today · 4.125%
HK$46,720
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,440/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,909
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,330/mo
Today · 4.125%
HK$51,551
baseline
▲ 0.50% · 4.625%
HK$54,269
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,102/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,524
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,786/mo
Today · 4.125%
HK$60,069
baseline
▲ 0.50% · 4.625%
HK$63,724
+HK$3,655/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,138/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,883
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,569
−HK$1,711/mo
Today · 4.125%
HK$66,280
baseline
▲ 0.50% · 4.625%
HK$69,774
+HK$3,494/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,560/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,430 · Scale 2, in force from 26 Feb 2026)