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$31,293
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,267
−HK$989/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,747
−HK$947/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,552
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,187/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,335
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,776
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,136/mo
Today · 4.125%
HK$44,033
baseline
▲ 0.50% · 4.625%
HK$46,354
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,066/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,173
−HK$1,385/mo
Today · 4.125%
HK$46,558
baseline
▲ 0.50% · 4.625%
HK$49,391
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,116/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,046
−HK$1,326/mo
Today · 4.125%
HK$51,372
baseline
▲ 0.50% · 4.625%
HK$54,080
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,744/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,328
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,080
−HK$1,780/mo
Today · 4.125%
HK$59,860
baseline
▲ 0.50% · 4.625%
HK$63,502
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,720/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,664
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,345
−HK$1,705/mo
Today · 4.125%
HK$66,050
baseline
▲ 0.50% · 4.625%
HK$69,531
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,100/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,634 · Scale 2, in force from 26 Feb 2026)