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$31,267
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,240
−HK$988/mo
Today · 4.125%
HK$33,228
baseline
▲ 0.50% · 4.625%
HK$35,250
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,456/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,784
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$947/mo
Today · 4.125%
HK$36,664
baseline
▲ 0.50% · 4.625%
HK$38,596
+HK$1,932/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,328/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,521
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,688
−HK$1,185/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$42,300
+HK$2,427/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,746/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,861
−HK$1,135/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,316
+HK$2,320/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,136
−HK$1,383/mo
Today · 4.125%
HK$46,519
baseline
▲ 0.50% · 4.625%
HK$49,350
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,038/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,325/mo
Today · 4.125%
HK$51,329
baseline
▲ 0.50% · 4.625%
HK$54,035
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,658/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,281
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,778/mo
Today · 4.125%
HK$59,810
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,620/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,612
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,704/mo
Today · 4.125%
HK$65,995
baseline
▲ 0.50% · 4.625%
HK$69,473
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,990/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,205 · Scale 2, in force from 26 Feb 2026)