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$31,300
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$989/mo
Today · 4.125%
HK$33,263
baseline
▲ 0.50% · 4.625%
HK$35,287
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,526/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,821
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$948/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,637
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,560
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,187/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,786
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,906
−HK$1,137/mo
Today · 4.125%
HK$44,043
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,086/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,184
−HK$1,384/mo
Today · 4.125%
HK$46,568
baseline
▲ 0.50% · 4.625%
HK$49,402
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,136/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,750
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,057
−HK$1,327/mo
Today · 4.125%
HK$51,384
baseline
▲ 0.50% · 4.625%
HK$54,092
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,768/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,341
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,781/mo
Today · 4.125%
HK$59,874
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,748/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,706/mo
Today · 4.125%
HK$66,065
baseline
▲ 0.50% · 4.625%
HK$69,547
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,130/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,751 · Scale 2, in force from 26 Feb 2026)