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$31,323
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$989/mo
Today · 4.125%
HK$33,287
baseline
▲ 0.50% · 4.625%
HK$35,313
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,574/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,847
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,781
−HK$948/mo
Today · 4.125%
HK$36,729
baseline
▲ 0.50% · 4.625%
HK$38,666
+HK$1,937/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,458/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,588
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,188/mo
Today · 4.125%
HK$39,945
baseline
▲ 0.50% · 4.625%
HK$42,376
+HK$2,431/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,890/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,816
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,938
−HK$1,137/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,399
+HK$2,324/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,853
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,217
−HK$1,385/mo
Today · 4.125%
HK$46,602
baseline
▲ 0.50% · 4.625%
HK$49,438
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,204/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,786
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,094
−HK$1,327/mo
Today · 4.125%
HK$51,421
baseline
▲ 0.50% · 4.625%
HK$54,132
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,842/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,136
−HK$1,781/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,563
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,406
−HK$1,707/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$69,598
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,127 · Scale 2, in force from 26 Feb 2026)