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$31,297
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$989/mo
Today · 4.125%
HK$33,260
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,520/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,818
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,752
−HK$947/mo
Today · 4.125%
HK$36,699
baseline
▲ 0.50% · 4.625%
HK$38,634
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,398/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,557
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,187/mo
Today · 4.125%
HK$39,912
baseline
▲ 0.50% · 4.625%
HK$42,341
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,824/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,137/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,078/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,816
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,179
−HK$1,385/mo
Today · 4.125%
HK$46,564
baseline
▲ 0.50% · 4.625%
HK$49,397
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,128/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,745
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,053
−HK$1,326/mo
Today · 4.125%
HK$51,379
baseline
▲ 0.50% · 4.625%
HK$54,087
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,758/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,335
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,088
−HK$1,780/mo
Today · 4.125%
HK$59,868
baseline
▲ 0.50% · 4.625%
HK$63,511
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,736/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,673
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,353
−HK$1,706/mo
Today · 4.125%
HK$66,059
baseline
▲ 0.50% · 4.625%
HK$69,541
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,118/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,703 · Scale 2, in force from 26 Feb 2026)