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$31,435
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$993/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,971
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,909
−HK$951/mo
Today · 4.125%
HK$36,860
baseline
▲ 0.50% · 4.625%
HK$38,803
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,720/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,722
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,895
−HK$1,192/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,526
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,965
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,090
−HK$1,142/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,564
+HK$2,332/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,464/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,009
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,378
−HK$1,390/mo
Today · 4.125%
HK$46,768
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,536/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,959
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,272
−HK$1,332/mo
Today · 4.125%
HK$51,604
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,208/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,582
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,343
−HK$1,788/mo
Today · 4.125%
HK$60,131
baseline
▲ 0.50% · 4.625%
HK$63,790
+HK$3,659/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,262/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,947
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,636
−HK$1,712/mo
Today · 4.125%
HK$66,348
baseline
▲ 0.50% · 4.625%
HK$69,846
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,696/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,961 · Scale 2, in force from 26 Feb 2026)