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$31,416
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$993/mo
Today · 4.125%
HK$33,386
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,772/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$951/mo
Today · 4.125%
HK$36,838
baseline
▲ 0.50% · 4.625%
HK$38,780
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,676/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,191/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,501
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,064
−HK$1,141/mo
Today · 4.125%
HK$44,205
baseline
▲ 0.50% · 4.625%
HK$46,536
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,410/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,982
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,350
−HK$1,390/mo
Today · 4.125%
HK$46,740
baseline
▲ 0.50% · 4.625%
HK$49,584
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,480/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,930
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,242
−HK$1,331/mo
Today · 4.125%
HK$51,573
baseline
▲ 0.50% · 4.625%
HK$54,292
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,146/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,548
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,307
−HK$1,787/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,751
+HK$3,657/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,909
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,597
−HK$1,711/mo
Today · 4.125%
HK$66,308
baseline
▲ 0.50% · 4.625%
HK$69,803
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,616/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,649 · Scale 2, in force from 26 Feb 2026)