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$31,317
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$990/mo
Today · 4.125%
HK$33,281
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,562/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,840
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,774
−HK$948/mo
Today · 4.125%
HK$36,722
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,444/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,580
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,749
−HK$1,188/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,808
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,929
−HK$1,137/mo
Today · 4.125%
HK$44,066
baseline
▲ 0.50% · 4.625%
HK$46,389
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,132/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,844
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,207
−HK$1,386/mo
Today · 4.125%
HK$46,593
baseline
▲ 0.50% · 4.625%
HK$49,428
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,186/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,776
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,084
−HK$1,327/mo
Today · 4.125%
HK$51,411
baseline
▲ 0.50% · 4.625%
HK$54,121
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,822/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,370
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,124
−HK$1,781/mo
Today · 4.125%
HK$59,905
baseline
▲ 0.50% · 4.625%
HK$63,550
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,810/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,711
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,393
−HK$1,707/mo
Today · 4.125%
HK$66,100
baseline
▲ 0.50% · 4.625%
HK$69,584
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,200/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,023 · Scale 2, in force from 26 Feb 2026)