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$31,313
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$990/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,302
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,836
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$948/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,653
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,745
−HK$1,187/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,803
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,924
−HK$1,138/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,384
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,839
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,386/mo
Today · 4.125%
HK$46,588
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,176/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,770
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,078
−HK$1,327/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,115
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,364
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,117
−HK$1,782/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,543
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,705
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,386
−HK$1,706/mo
Today · 4.125%
HK$66,092
baseline
▲ 0.50% · 4.625%
HK$69,576
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,184/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,966 · Scale 2, in force from 26 Feb 2026)