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$31,442
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$993/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$2,034/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$951/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$38,812
+HK$1,944/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,736/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,730
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,904
−HK$1,192/mo
Today · 4.125%
HK$40,096
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,192/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,974
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,100
−HK$1,142/mo
Today · 4.125%
HK$44,242
baseline
▲ 0.50% · 4.625%
HK$46,574
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,484/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,388
−HK$1,391/mo
Today · 4.125%
HK$46,779
baseline
▲ 0.50% · 4.625%
HK$49,625
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,558/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,970
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,332/mo
Today · 4.125%
HK$51,616
baseline
▲ 0.50% · 4.625%
HK$54,337
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,232/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,595
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,356
−HK$1,788/mo
Today · 4.125%
HK$60,144
baseline
▲ 0.50% · 4.625%
HK$63,804
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,288/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,962
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,650
−HK$1,713/mo
Today · 4.125%
HK$66,363
baseline
▲ 0.50% · 4.625%
HK$69,861
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,726/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,077 · Scale 2, in force from 26 Feb 2026)