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$31,304
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$989/mo
Today · 4.125%
HK$33,267
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$2,025/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,534/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$947/mo
Today · 4.125%
HK$36,707
baseline
▲ 0.50% · 4.625%
HK$38,642
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,414/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,565
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,734
−HK$1,187/mo
Today · 4.125%
HK$39,921
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,842/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,791
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,137/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,189
−HK$1,385/mo
Today · 4.125%
HK$46,574
baseline
▲ 0.50% · 4.625%
HK$49,408
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,148/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,756
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,064
−HK$1,326/mo
Today · 4.125%
HK$51,390
baseline
▲ 0.50% · 4.625%
HK$54,099
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,780/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,348
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,780/mo
Today · 4.125%
HK$59,881
baseline
▲ 0.50% · 4.625%
HK$63,525
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,762/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,686
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,368
−HK$1,705/mo
Today · 4.125%
HK$66,073
baseline
▲ 0.50% · 4.625%
HK$69,556
+HK$3,483/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,146/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,817 · Scale 2, in force from 26 Feb 2026)