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$31,413
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$992/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,947
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$951/mo
Today · 4.125%
HK$36,835
baseline
▲ 0.50% · 4.625%
HK$38,777
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,670/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,696
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,869
−HK$1,191/mo
Today · 4.125%
HK$40,060
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,120/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,141/mo
Today · 4.125%
HK$44,202
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,404/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,979
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,347
−HK$1,390/mo
Today · 4.125%
HK$46,737
baseline
▲ 0.50% · 4.625%
HK$49,580
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,474/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,926
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,238
−HK$1,331/mo
Today · 4.125%
HK$51,569
baseline
▲ 0.50% · 4.625%
HK$54,287
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,138/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,544
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,787/mo
Today · 4.125%
HK$60,090
baseline
▲ 0.50% · 4.625%
HK$63,746
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,180/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,905
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,592
−HK$1,711/mo
Today · 4.125%
HK$66,303
baseline
▲ 0.50% · 4.625%
HK$69,798
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,606/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,610 · Scale 2, in force from 26 Feb 2026)