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$31,312
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$990/mo
Today · 4.125%
HK$33,276
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,552/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$948/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,575
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,187/mo
Today · 4.125%
HK$39,931
baseline
▲ 0.50% · 4.625%
HK$42,361
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,862/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,923
−HK$1,137/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,382
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,837
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,201
−HK$1,385/mo
Today · 4.125%
HK$46,586
baseline
▲ 0.50% · 4.625%
HK$49,421
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,172/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,768
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,076
−HK$1,327/mo
Today · 4.125%
HK$51,403
baseline
▲ 0.50% · 4.625%
HK$54,113
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,806/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,362
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,115
−HK$1,781/mo
Today · 4.125%
HK$59,896
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,792/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,702
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,384
−HK$1,706/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$69,574
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,947 · Scale 2, in force from 26 Feb 2026)