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$31,372
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$992/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,902
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$949/mo
Today · 4.125%
HK$36,787
baseline
▲ 0.50% · 4.625%
HK$38,726
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,574/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,647
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,818
−HK$1,190/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,442
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,140/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,471
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,921
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,388/mo
Today · 4.125%
HK$46,676
baseline
▲ 0.50% · 4.625%
HK$49,516
+HK$2,840/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,352/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,862
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,173
−HK$1,329/mo
Today · 4.125%
HK$51,502
baseline
▲ 0.50% · 4.625%
HK$54,217
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,004/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,470
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,227
−HK$1,785/mo
Today · 4.125%
HK$60,012
baseline
▲ 0.50% · 4.625%
HK$63,663
+HK$3,651/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,024/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,823
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,508
−HK$1,709/mo
Today · 4.125%
HK$66,217
baseline
▲ 0.50% · 4.625%
HK$69,707
+HK$3,490/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,434/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,936 · Scale 2, in force from 26 Feb 2026)