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$31,311
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,285
−HK$989/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,767
−HK$948/mo
Today · 4.125%
HK$36,715
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,430/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,573
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,741
−HK$1,188/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,138/mo
Today · 4.125%
HK$44,058
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,116/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,835
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,386/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,418
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,766
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,074
−HK$1,327/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,110
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,359
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,781/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,538
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,699
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,381
−HK$1,705/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,920 · Scale 2, in force from 26 Feb 2026)