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$31,263
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,235
−HK$988/mo
Today · 4.125%
HK$33,223
baseline
▲ 0.50% · 4.625%
HK$35,245
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,446/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,780
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,712
−HK$947/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,591
+HK$1,932/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,186/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$42,294
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,736
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,855
−HK$1,135/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,309
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,768
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,129
−HK$1,384/mo
Today · 4.125%
HK$46,513
baseline
▲ 0.50% · 4.625%
HK$49,343
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,026/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,692
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,997
−HK$1,325/mo
Today · 4.125%
HK$51,322
baseline
▲ 0.50% · 4.625%
HK$54,027
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,644/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,273
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,024
−HK$1,778/mo
Today · 4.125%
HK$59,802
baseline
▲ 0.50% · 4.625%
HK$63,441
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,604/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,603
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,282
−HK$1,704/mo
Today · 4.125%
HK$65,986
baseline
▲ 0.50% · 4.625%
HK$69,464
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,972/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,135 · Scale 2, in force from 26 Feb 2026)