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$31,359
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,334
−HK$991/mo
Today · 4.125%
HK$33,325
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,650/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,886
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,822
−HK$949/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,630
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,189/mo
Today · 4.125%
HK$39,990
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,434/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,980/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,863
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,986
−HK$1,139/mo
Today · 4.125%
HK$44,125
baseline
▲ 0.50% · 4.625%
HK$46,451
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,250/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,902
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,387/mo
Today · 4.125%
HK$46,655
baseline
▲ 0.50% · 4.625%
HK$49,494
+HK$2,839/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,310/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,841
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,151
−HK$1,328/mo
Today · 4.125%
HK$51,479
baseline
▲ 0.50% · 4.625%
HK$54,193
+HK$2,714/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,958/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,446
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,201
−HK$1,784/mo
Today · 4.125%
HK$59,985
baseline
▲ 0.50% · 4.625%
HK$63,635
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,970/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,795
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,479
−HK$1,709/mo
Today · 4.125%
HK$66,188
baseline
▲ 0.50% · 4.625%
HK$69,677
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,376/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,711 · Scale 2, in force from 26 Feb 2026)