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$31,334
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$990/mo
Today · 4.125%
HK$33,299
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,598/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$948/mo
Today · 4.125%
HK$36,742
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,484/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,601
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,188/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,390
+HK$2,431/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,138/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.24M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,232
−HK$1,387/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,455
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,111
−HK$1,328/mo
Today · 4.125%
HK$51,439
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,878/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,402
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,156
−HK$1,782/mo
Today · 4.125%
HK$59,938
baseline
▲ 0.50% · 4.625%
HK$63,586
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,876/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,746
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,429
−HK$1,707/mo
Today · 4.125%
HK$66,136
baseline
▲ 0.50% · 4.625%
HK$69,622
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,272/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,308 · Scale 2, in force from 26 Feb 2026)