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$31,292
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$989/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$947/mo
Today · 4.125%
HK$36,693
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,386/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,551
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,719
−HK$1,187/mo
Today · 4.125%
HK$39,906
baseline
▲ 0.50% · 4.625%
HK$42,334
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,812/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,775
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,895
−HK$1,137/mo
Today · 4.125%
HK$44,032
baseline
▲ 0.50% · 4.625%
HK$46,353
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,064/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,809
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,172
−HK$1,385/mo
Today · 4.125%
HK$46,557
baseline
▲ 0.50% · 4.625%
HK$49,390
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,114/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,738
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,045
−HK$1,326/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,079
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,326
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,079
−HK$1,780/mo
Today · 4.125%
HK$59,859
baseline
▲ 0.50% · 4.625%
HK$63,501
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,718/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,663
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,343
−HK$1,705/mo
Today · 4.125%
HK$66,048
baseline
▲ 0.50% · 4.625%
HK$69,530
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,096/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,622 · Scale 2, in force from 26 Feb 2026)