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$31,360
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,336
−HK$991/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$949/mo
Today · 4.125%
HK$36,773
baseline
▲ 0.50% · 4.625%
HK$38,711
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,546/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,633
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,189/mo
Today · 4.125%
HK$39,992
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,984/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,866
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,139/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,905
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,270
−HK$1,388/mo
Today · 4.125%
HK$46,658
baseline
▲ 0.50% · 4.625%
HK$49,497
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,316/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,843
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,329/mo
Today · 4.125%
HK$51,482
baseline
▲ 0.50% · 4.625%
HK$54,196
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,964/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,449
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,784/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,639
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,483
−HK$1,709/mo
Today · 4.125%
HK$66,192
baseline
▲ 0.50% · 4.625%
HK$69,681
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,384/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,739 · Scale 2, in force from 26 Feb 2026)