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$31,263
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,236
−HK$988/mo
Today · 4.125%
HK$33,224
baseline
▲ 0.50% · 4.625%
HK$35,246
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,448/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,780
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$946/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,516
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,683
−HK$1,186/mo
Today · 4.125%
HK$39,869
baseline
▲ 0.50% · 4.625%
HK$42,295
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,738/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,736
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,856
−HK$1,135/mo
Today · 4.125%
HK$43,991
baseline
▲ 0.50% · 4.625%
HK$46,310
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,982/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,769
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,130
−HK$1,384/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,692
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,998
−HK$1,325/mo
Today · 4.125%
HK$51,323
baseline
▲ 0.50% · 4.625%
HK$54,028
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,646/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,274
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,025
−HK$1,778/mo
Today · 4.125%
HK$59,803
baseline
▲ 0.50% · 4.625%
HK$63,442
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,606/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,605
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,284
−HK$1,703/mo
Today · 4.125%
HK$65,987
baseline
▲ 0.50% · 4.625%
HK$69,465
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,974/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,145 · Scale 2, in force from 26 Feb 2026)