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$31,264
−HK$1,960/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$514,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,781
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$947/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$1,932/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,185/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$514,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,737
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,856
−HK$1,136/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,769
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,383/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$514,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,693
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,999
−HK$1,325/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,029
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,275
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,025
−HK$1,779/mo
Today · 4.125%
HK$59,804
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,608/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,149 · 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$69,466
+HK$3,479/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$514,149 · Scale 2, in force from 26 Feb 2026)