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$31,414
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$993/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,948
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$951/mo
Today · 4.125%
HK$36,836
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,672/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,697
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,869
−HK$1,192/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,498
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,937
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,141/mo
Today · 4.125%
HK$44,203
baseline
▲ 0.50% · 4.625%
HK$46,533
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,406/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,980
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,348
−HK$1,390/mo
Today · 4.125%
HK$46,738
baseline
▲ 0.50% · 4.625%
HK$49,581
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,476/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,927
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,331/mo
Today · 4.125%
HK$51,570
baseline
▲ 0.50% · 4.625%
HK$54,289
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,140/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,545
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,787/mo
Today · 4.125%
HK$60,091
baseline
▲ 0.50% · 4.625%
HK$63,748
+HK$3,657/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,182/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,906
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,593
−HK$1,712/mo
Today · 4.125%
HK$66,305
baseline
▲ 0.50% · 4.625%
HK$69,800
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,610/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,621 · Scale 2, in force from 26 Feb 2026)