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$31,410
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$993/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,411
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,880
−HK$951/mo
Today · 4.125%
HK$36,831
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,662/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,692
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,864
−HK$1,192/mo
Today · 4.125%
HK$40,056
baseline
▲ 0.50% · 4.625%
HK$42,493
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,112/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,932
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,140/mo
Today · 4.125%
HK$44,197
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,394/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,974
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,390/mo
Today · 4.125%
HK$46,732
baseline
▲ 0.50% · 4.625%
HK$49,575
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,464/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,921
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,331/mo
Today · 4.125%
HK$51,564
baseline
▲ 0.50% · 4.625%
HK$54,282
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,128/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,538
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,297
−HK$1,786/mo
Today · 4.125%
HK$60,083
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,166/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,898
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,585
−HK$1,711/mo
Today · 4.125%
HK$66,296
baseline
▲ 0.50% · 4.625%
HK$69,791
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,592/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,555 · Scale 2, in force from 26 Feb 2026)