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$31,287
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$988/mo
Today · 4.125%
HK$33,249
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,498/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,807
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$947/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,545
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,713
−HK$1,186/mo
Today · 4.125%
HK$39,899
baseline
▲ 0.50% · 4.625%
HK$42,327
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,798/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,768
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,889
−HK$1,136/mo
Today · 4.125%
HK$44,025
baseline
▲ 0.50% · 4.625%
HK$46,346
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,050/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,802
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,165
−HK$1,384/mo
Today · 4.125%
HK$46,549
baseline
▲ 0.50% · 4.625%
HK$49,382
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,098/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,730
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,037
−HK$1,326/mo
Today · 4.125%
HK$51,363
baseline
▲ 0.50% · 4.625%
HK$54,070
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,726/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,317
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,069
−HK$1,780/mo
Today · 4.125%
HK$59,849
baseline
▲ 0.50% · 4.625%
HK$63,491
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,698/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,653
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,333
−HK$1,705/mo
Today · 4.125%
HK$66,038
baseline
▲ 0.50% · 4.625%
HK$69,518
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,076/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,540 · Scale 2, in force from 26 Feb 2026)