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$31,425
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,403
−HK$993/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,960
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,898
−HK$951/mo
Today · 4.125%
HK$36,849
baseline
▲ 0.50% · 4.625%
HK$38,792
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,698/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,192/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,952
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,078
−HK$1,141/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,550
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,996
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,364
−HK$1,390/mo
Today · 4.125%
HK$46,754
baseline
▲ 0.50% · 4.625%
HK$49,599
+HK$2,845/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$93,508/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,945
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,257
−HK$1,332/mo
Today · 4.125%
HK$51,589
baseline
▲ 0.50% · 4.625%
HK$54,308
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.65M · min. income ≈ HK$103,178/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,566
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,325
−HK$1,788/mo
Today · 4.125%
HK$60,113
baseline
▲ 0.50% · 4.625%
HK$63,771
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,226/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,929
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,616
−HK$1,713/mo
Today · 4.125%
HK$66,329
baseline
▲ 0.50% · 4.625%
HK$69,825
+HK$3,496/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,658/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,807 · Scale 2, in force from 26 Feb 2026)