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$31,357
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$991/mo
Today · 4.125%
HK$33,323
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$2,028/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,646/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,884
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,820
−HK$949/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$1,938/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,189/mo
Today · 4.125%
HK$39,988
baseline
▲ 0.50% · 4.625%
HK$42,421
+HK$2,433/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,976/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,861
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,984
−HK$1,139/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,449
+HK$2,326/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,900
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,265
−HK$1,388/mo
Today · 4.125%
HK$46,653
baseline
▲ 0.50% · 4.625%
HK$49,491
+HK$2,838/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,306/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,838
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,148
−HK$1,329/mo
Today · 4.125%
HK$51,477
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$2,713/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$102,954/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,443
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,198
−HK$1,784/mo
Today · 4.125%
HK$59,982
baseline
▲ 0.50% · 4.625%
HK$63,632
+HK$3,650/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$119,964/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,792
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,476
−HK$1,708/mo
Today · 4.125%
HK$66,184
baseline
▲ 0.50% · 4.625%
HK$69,673
+HK$3,489/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,368/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,683 · Scale 2, in force from 26 Feb 2026)