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$31,270
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$989/mo
Today · 4.125%
HK$33,231
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,462/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$947/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$1,932/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,524
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,691
−HK$1,186/mo
Today · 4.125%
HK$39,877
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,426/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,754/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,745
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,864
−HK$1,136/mo
Today · 4.125%
HK$44,000
baseline
▲ 0.50% · 4.625%
HK$46,319
+HK$2,319/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,000/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,777
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,139
−HK$1,384/mo
Today · 4.125%
HK$46,523
baseline
▲ 0.50% · 4.625%
HK$49,354
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,046/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,702
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,008
−HK$1,325/mo
Today · 4.125%
HK$51,333
baseline
▲ 0.50% · 4.625%
HK$54,039
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,666/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,285
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,036
−HK$1,779/mo
Today · 4.125%
HK$59,815
baseline
▲ 0.50% · 4.625%
HK$63,455
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,630/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,617
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,296
−HK$1,704/mo
Today · 4.125%
HK$66,000
baseline
▲ 0.50% · 4.625%
HK$69,479
+HK$3,479/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,000/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,246 · Scale 2, in force from 26 Feb 2026)