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$31,265
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,238
−HK$988/mo
Today · 4.125%
HK$33,226
baseline
▲ 0.50% · 4.625%
HK$35,248
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,452/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$947/mo
Today · 4.125%
HK$36,662
baseline
▲ 0.50% · 4.625%
HK$38,594
+HK$1,932/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,324/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,518
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,685
−HK$1,186/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$42,297
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,739
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,136/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,771
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,383/mo
Today · 4.125%
HK$46,516
baseline
▲ 0.50% · 4.625%
HK$49,347
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,032/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,695
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,001
−HK$1,325/mo
Today · 4.125%
HK$51,326
baseline
▲ 0.50% · 4.625%
HK$54,032
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,652/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,278
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,028
−HK$1,779/mo
Today · 4.125%
HK$59,807
baseline
▲ 0.50% · 4.625%
HK$63,446
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,614/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,608
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,287
−HK$1,704/mo
Today · 4.125%
HK$65,991
baseline
▲ 0.50% · 4.625%
HK$69,469
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,982/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,174 · Scale 2, in force from 26 Feb 2026)