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$31,430
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,408
−HK$993/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$2,032/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,966
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$952/mo
Today · 4.125%
HK$36,855
baseline
▲ 0.50% · 4.625%
HK$38,797
+HK$1,942/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,710/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,716
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,889
−HK$1,192/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,439/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,959
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,084
−HK$1,142/mo
Today · 4.125%
HK$44,226
baseline
▲ 0.50% · 4.625%
HK$46,557
+HK$2,331/mo
Deposit HK$5.51M · loan HK$8.27M · min. income ≈ HK$88,452/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,002
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,390/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,952
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,265
−HK$1,332/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,316
+HK$2,719/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,574
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,334
−HK$1,788/mo
Today · 4.125%
HK$60,122
baseline
▲ 0.50% · 4.625%
HK$63,780
+HK$3,658/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,244/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,938
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,626
−HK$1,712/mo
Today · 4.125%
HK$66,338
baseline
▲ 0.50% · 4.625%
HK$69,835
+HK$3,497/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,676/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$516,884 · Scale 2, in force from 26 Feb 2026)