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$31,321
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,295
−HK$990/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,310
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,844
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,779
−HK$948/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,662
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,585
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,188/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,372
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,813
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,138/mo
Today · 4.125%
HK$44,072
baseline
▲ 0.50% · 4.625%
HK$46,395
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,144/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,386/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,434
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,782
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,090
−HK$1,327/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,127
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,377
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,782/mo
Today · 4.125%
HK$59,913
baseline
▲ 0.50% · 4.625%
HK$63,558
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,826/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,719
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,401
−HK$1,707/mo
Today · 4.125%
HK$66,108
baseline
▲ 0.50% · 4.625%
HK$69,592
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,216/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,087 · Scale 2, in force from 26 Feb 2026)