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$31,377
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$992/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,374
+HK$2,029/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,907
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,843
−HK$950/mo
Today · 4.125%
HK$36,793
baseline
▲ 0.50% · 4.625%
HK$38,732
+HK$1,939/mo
Deposit HK$6.88M · loan HK$6.88M · min. income ≈ HK$73,586/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,653
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,190/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,449
+HK$2,435/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,888
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,012
−HK$1,140/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,479
+HK$2,327/mo
Deposit HK$5.50M · loan HK$8.26M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,295
−HK$1,388/mo
Today · 4.125%
HK$46,683
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,841/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$93,366/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,870
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,180
−HK$1,330/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,225
+HK$2,715/mo
Deposit HK$4.13M · loan HK$9.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,479
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,236
−HK$1,785/mo
Today · 4.125%
HK$60,021
baseline
▲ 0.50% · 4.625%
HK$63,673
+HK$3,652/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$120,042/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,833
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,709/mo
Today · 4.125%
HK$66,227
baseline
▲ 0.50% · 4.625%
HK$69,718
+HK$3,491/mo
Deposit HK$1.38M · loan HK$12.38M · min. income ≈ HK$132,454/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,018 · Scale 2, in force from 26 Feb 2026)