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$31,305
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$990/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$948/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,734
−HK$1,187/mo
Today · 4.125%
HK$39,921
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,842/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,791
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,137/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,827
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,190
−HK$1,385/mo
Today · 4.125%
HK$46,575
baseline
▲ 0.50% · 4.625%
HK$49,409
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,150/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,757
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,064
−HK$1,327/mo
Today · 4.125%
HK$51,391
baseline
▲ 0.50% · 4.625%
HK$54,100
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,782/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,349
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,781/mo
Today · 4.125%
HK$59,882
baseline
▲ 0.50% · 4.625%
HK$63,526
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,764/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,687
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,368
−HK$1,706/mo
Today · 4.125%
HK$66,074
baseline
▲ 0.50% · 4.625%
HK$69,557
+HK$3,483/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,148/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,823 · Scale 2, in force from 26 Feb 2026)