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$31,440
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$994/mo
Today · 4.125%
HK$33,412
baseline
▲ 0.50% · 4.625%
HK$35,445
+HK$2,033/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,824/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,977
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,915
−HK$952/mo
Today · 4.125%
HK$36,867
baseline
▲ 0.50% · 4.625%
HK$38,810
+HK$1,943/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,734/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,192/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,973
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,142/mo
Today · 4.125%
HK$44,240
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,480/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,017
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,386
−HK$1,391/mo
Today · 4.125%
HK$46,777
baseline
▲ 0.50% · 4.625%
HK$49,623
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,554/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,968
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,281
−HK$1,333/mo
Today · 4.125%
HK$51,614
baseline
▲ 0.50% · 4.625%
HK$54,334
+HK$2,720/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,228/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,593
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,789/mo
Today · 4.125%
HK$60,142
baseline
▲ 0.50% · 4.625%
HK$63,801
+HK$3,659/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,284/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,959
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,647
−HK$1,713/mo
Today · 4.125%
HK$66,360
baseline
▲ 0.50% · 4.625%
HK$69,858
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,720/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,054 · Scale 2, in force from 26 Feb 2026)