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$31,382
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,358
−HK$992/mo
Today · 4.125%
HK$33,350
baseline
▲ 0.50% · 4.625%
HK$35,379
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,700/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,912
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$949/mo
Today · 4.125%
HK$36,798
baseline
▲ 0.50% · 4.625%
HK$38,738
+HK$1,940/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,596/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,830
−HK$1,190/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,455
+HK$2,435/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,895
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,018
−HK$1,140/mo
Today · 4.125%
HK$44,158
baseline
▲ 0.50% · 4.625%
HK$46,486
+HK$2,328/mo
Deposit HK$5.51M · loan HK$8.26M · min. income ≈ HK$88,316/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,935
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,388/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,531
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,877
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,188
−HK$1,330/mo
Today · 4.125%
HK$51,518
baseline
▲ 0.50% · 4.625%
HK$54,233
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,036/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,488
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,245
−HK$1,785/mo
Today · 4.125%
HK$60,030
baseline
▲ 0.50% · 4.625%
HK$63,683
+HK$3,653/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$120,060/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,842
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,527
−HK$1,710/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$69,729
+HK$3,492/mo
Deposit HK$1.38M · loan HK$12.39M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,096 · Scale 2, in force from 26 Feb 2026)