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$31,300
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$990/mo
Today · 4.125%
HK$33,263
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,526/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,821
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$947/mo
Today · 4.125%
HK$36,702
baseline
▲ 0.50% · 4.625%
HK$38,637
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,404/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,560
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,728
−HK$1,187/mo
Today · 4.125%
HK$39,915
baseline
▲ 0.50% · 4.625%
HK$42,344
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,830/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,785
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,905
−HK$1,137/mo
Today · 4.125%
HK$44,042
baseline
▲ 0.50% · 4.625%
HK$46,364
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,084/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,820
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,183
−HK$1,385/mo
Today · 4.125%
HK$46,568
baseline
▲ 0.50% · 4.625%
HK$49,401
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,136/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,749
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,056
−HK$1,327/mo
Today · 4.125%
HK$51,383
baseline
▲ 0.50% · 4.625%
HK$54,091
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,766/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,340
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,092
−HK$1,781/mo
Today · 4.125%
HK$59,873
baseline
▲ 0.50% · 4.625%
HK$63,516
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,746/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,677
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,358
−HK$1,705/mo
Today · 4.125%
HK$66,063
baseline
▲ 0.50% · 4.625%
HK$69,546
+HK$3,483/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,126/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,741 · Scale 2, in force from 26 Feb 2026)