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$1,965/mo
▼ 0.25% · 3.875%
HK$32,314
−HK$990/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,390 · 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$515,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,607
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,188/mo
Today · 4.125%
HK$39,965
baseline
▲ 0.50% · 4.625%
HK$42,397
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,930/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,261/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$515,390 · 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$49,463
+HK$2,837/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$515,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,810
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,328/mo
Today · 4.125%
HK$51,447
baseline
▲ 0.50% · 4.625%
HK$54,159
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,894/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,165
−HK$1,783/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$515,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,756
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,439
−HK$1,708/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,486/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$515,390 · Scale 2, in force from 26 Feb 2026)