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$31,423
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,401
−HK$993/mo
Today · 4.125%
HK$33,394
baseline
▲ 0.50% · 4.625%
HK$35,426
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,788/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,958
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,896
−HK$951/mo
Today · 4.125%
HK$36,847
baseline
▲ 0.50% · 4.625%
HK$38,789
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,694/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,192/mo
Today · 4.125%
HK$40,073
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,146/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,141/mo
Today · 4.125%
HK$44,216
baseline
▲ 0.50% · 4.625%
HK$46,547
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,432/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,993
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,361
−HK$1,390/mo
Today · 4.125%
HK$46,751
baseline
▲ 0.50% · 4.625%
HK$49,596
+HK$2,845/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$93,502/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,941
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,254
−HK$1,332/mo
Today · 4.125%
HK$51,586
baseline
▲ 0.50% · 4.625%
HK$54,305
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$103,172/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,562
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,788/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,657/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,218/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,925
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,712/mo
Today · 4.125%
HK$66,324
baseline
▲ 0.50% · 4.625%
HK$69,820
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,648/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,774 · Scale 2, in force from 26 Feb 2026)