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$31,289
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,262
−HK$989/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,809
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,742
−HK$947/mo
Today · 4.125%
HK$36,689
baseline
▲ 0.50% · 4.625%
HK$38,623
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,378/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,547
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,186/mo
Today · 4.125%
HK$39,901
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,802/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,770
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,891
−HK$1,136/mo
Today · 4.125%
HK$44,027
baseline
▲ 0.50% · 4.625%
HK$46,348
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,054/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,804
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,167
−HK$1,384/mo
Today · 4.125%
HK$46,551
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,102/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,732
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,039
−HK$1,326/mo
Today · 4.125%
HK$51,365
baseline
▲ 0.50% · 4.625%
HK$54,072
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,730/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,320
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,072
−HK$1,780/mo
Today · 4.125%
HK$59,852
baseline
▲ 0.50% · 4.625%
HK$63,494
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,704/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,655
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,336
−HK$1,705/mo
Today · 4.125%
HK$66,041
baseline
▲ 0.50% · 4.625%
HK$69,522
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,082/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,563 · Scale 2, in force from 26 Feb 2026)