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$31,343
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$990/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,335
+HK$2,027/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$949/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,189/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,402
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,842
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,139/mo
Today · 4.125%
HK$44,103
baseline
▲ 0.50% · 4.625%
HK$46,427
+HK$2,324/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,206/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,880
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,386/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,469
+HK$2,838/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,125
−HK$1,328/mo
Today · 4.125%
HK$51,453
baseline
▲ 0.50% · 4.625%
HK$54,165
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,906/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,417
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,172
−HK$1,783/mo
Today · 4.125%
HK$59,955
baseline
▲ 0.50% · 4.625%
HK$63,603
+HK$3,648/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,910/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,763
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,446
−HK$1,708/mo
Today · 4.125%
HK$66,154
baseline
▲ 0.50% · 4.625%
HK$69,641
+HK$3,487/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,308/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,446 · Scale 2, in force from 26 Feb 2026)