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$31,411
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$993/mo
Today · 4.125%
HK$33,381
baseline
▲ 0.50% · 4.625%
HK$35,412
+HK$2,031/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,762/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$951/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$38,774
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,191/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,494
+HK$2,437/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,933
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,141/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,528
+HK$2,329/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,975
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,390/mo
Today · 4.125%
HK$46,733
baseline
▲ 0.50% · 4.625%
HK$49,576
+HK$2,843/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,466/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,922
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,234
−HK$1,331/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,283
+HK$2,718/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,787/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,741
+HK$3,656/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,900
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,587
−HK$1,711/mo
Today · 4.125%
HK$66,298
baseline
▲ 0.50% · 4.625%
HK$69,793
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,596/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,569 · Scale 2, in force from 26 Feb 2026)