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$31,296
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$989/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,282
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,750
−HK$948/mo
Today · 4.125%
HK$36,698
baseline
▲ 0.50% · 4.625%
HK$38,632
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,396/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,555
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,187/mo
Today · 4.125%
HK$39,910
baseline
▲ 0.50% · 4.625%
HK$42,339
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,820/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,137/mo
Today · 4.125%
HK$44,037
baseline
▲ 0.50% · 4.625%
HK$46,358
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,074/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,385/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,395
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,327/mo
Today · 4.125%
HK$51,377
baseline
▲ 0.50% · 4.625%
HK$54,085
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,754/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,333
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,780/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,670
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,351
−HK$1,705/mo
Today · 4.125%
HK$66,056
baseline
▲ 0.50% · 4.625%
HK$69,537
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,112/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,680 · Scale 2, in force from 26 Feb 2026)