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$31,294
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,267
−HK$989/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,280
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,748
−HK$947/mo
Today · 4.125%
HK$36,695
baseline
▲ 0.50% · 4.625%
HK$38,629
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,390/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,553
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,186/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,137/mo
Today · 4.125%
HK$44,034
baseline
▲ 0.50% · 4.625%
HK$46,355
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,068/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,174
−HK$1,385/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,047
−HK$1,326/mo
Today · 4.125%
HK$51,373
baseline
▲ 0.50% · 4.625%
HK$54,081
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,746/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,329
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,081
−HK$1,780/mo
Today · 4.125%
HK$59,861
baseline
▲ 0.50% · 4.625%
HK$63,504
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,722/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,346
−HK$1,705/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$69,532
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,643 · Scale 2, in force from 26 Feb 2026)