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$31,286
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$988/mo
Today · 4.125%
HK$33,248
baseline
▲ 0.50% · 4.625%
HK$35,271
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,496/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,806
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,739
−HK$947/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,544
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,711
−HK$1,187/mo
Today · 4.125%
HK$39,898
baseline
▲ 0.50% · 4.625%
HK$42,326
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,796/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,767
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,887
−HK$1,136/mo
Today · 4.125%
HK$44,023
baseline
▲ 0.50% · 4.625%
HK$46,344
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,046/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,163
−HK$1,385/mo
Today · 4.125%
HK$46,548
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,832/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,096/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,728
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,035
−HK$1,326/mo
Today · 4.125%
HK$51,361
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,722/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,315
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,067
−HK$1,780/mo
Today · 4.125%
HK$59,847
baseline
▲ 0.50% · 4.625%
HK$63,488
+HK$3,641/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,694/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,650
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,331
−HK$1,704/mo
Today · 4.125%
HK$66,035
baseline
▲ 0.50% · 4.625%
HK$69,516
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,070/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,521 · Scale 2, in force from 26 Feb 2026)