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$31,418
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$992/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,953
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,890
−HK$951/mo
Today · 4.125%
HK$36,841
baseline
▲ 0.50% · 4.625%
HK$38,783
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,682/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,702
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,875
−HK$1,191/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,504
+HK$2,438/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,943
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,068
−HK$1,141/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,539
+HK$2,330/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,986
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,390/mo
Today · 4.125%
HK$46,744
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,844/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$93,488/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,934
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,246
−HK$1,331/mo
Today · 4.125%
HK$51,577
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$2,719/mo
Deposit HK$4.13M · loan HK$9.64M · min. income ≈ HK$103,154/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,553
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,312
−HK$1,787/mo
Today · 4.125%
HK$60,099
baseline
▲ 0.50% · 4.625%
HK$63,756
+HK$3,657/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$120,198/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,915
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,602
−HK$1,712/mo
Today · 4.125%
HK$66,314
baseline
▲ 0.50% · 4.625%
HK$69,809
+HK$3,495/mo
Deposit HK$1.38M · loan HK$12.40M · min. income ≈ HK$132,628/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$516,690 · Scale 2, in force from 26 Feb 2026)