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$31,371
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$992/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$950/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,646
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,817
−HK$1,189/mo
Today · 4.125%
HK$40,006
baseline
▲ 0.50% · 4.625%
HK$42,441
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$80,012/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,880
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,004
−HK$1,139/mo
Today · 4.125%
HK$44,143
baseline
▲ 0.50% · 4.625%
HK$46,470
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,286/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,286
−HK$1,388/mo
Today · 4.125%
HK$46,674
baseline
▲ 0.50% · 4.625%
HK$49,514
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,348/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,860
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,171
−HK$1,329/mo
Today · 4.125%
HK$51,500
baseline
▲ 0.50% · 4.625%
HK$54,215
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,000/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,468
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,225
−HK$1,784/mo
Today · 4.125%
HK$60,009
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,018/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,820
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,505
−HK$1,709/mo
Today · 4.125%
HK$66,214
baseline
▲ 0.50% · 4.625%
HK$69,705
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,428/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,918 · Scale 2, in force from 26 Feb 2026)