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$31,336
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,311
−HK$990/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,327
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,861
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$948/mo
Today · 4.125%
HK$36,744
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,488/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,603
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,773
−HK$1,188/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,393
+HK$2,432/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,833
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,955
−HK$1,138/mo
Today · 4.125%
HK$44,093
baseline
▲ 0.50% · 4.625%
HK$46,418
+HK$2,325/mo
Deposit HK$5.50M · loan HK$8.25M · min. income ≈ HK$88,186/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,870
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,235
−HK$1,387/mo
Today · 4.125%
HK$46,622
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,244/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,805
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,328/mo
Today · 4.125%
HK$51,442
baseline
▲ 0.50% · 4.625%
HK$54,154
+HK$2,712/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,884/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,159
−HK$1,783/mo
Today · 4.125%
HK$59,942
baseline
▲ 0.50% · 4.625%
HK$63,589
+HK$3,647/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$119,884/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,750
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,433
−HK$1,707/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$69,626
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.37M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,338 · Scale 2, in force from 26 Feb 2026)