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$31,339
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,314
−HK$991/mo
Today · 4.125%
HK$33,305
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,610/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,865
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,800
−HK$948/mo
Today · 4.125%
HK$36,748
baseline
▲ 0.50% · 4.625%
HK$38,685
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,496/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,607
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,189/mo
Today · 4.125%
HK$39,966
baseline
▲ 0.50% · 4.625%
HK$42,397
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,932/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,838
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,960
−HK$1,138/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,422
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,875
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,386/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,464
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,811
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,120
−HK$1,328/mo
Today · 4.125%
HK$51,448
baseline
▲ 0.50% · 4.625%
HK$54,160
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,896/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,166
−HK$1,782/mo
Today · 4.125%
HK$59,948
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,896/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,756
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,440
−HK$1,707/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$69,634
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,392 · Scale 2, in force from 26 Feb 2026)