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$31,291
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$989/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,811
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$947/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,626
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,718
−HK$1,186/mo
Today · 4.125%
HK$39,904
baseline
▲ 0.50% · 4.625%
HK$42,332
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,808/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,774
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,894
−HK$1,137/mo
Today · 4.125%
HK$44,031
baseline
▲ 0.50% · 4.625%
HK$46,351
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,062/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,171
−HK$1,384/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,736
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,043
−HK$1,326/mo
Today · 4.125%
HK$51,369
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,738/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,324
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,077
−HK$1,780/mo
Today · 4.125%
HK$59,857
baseline
▲ 0.50% · 4.625%
HK$63,499
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,714/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,660
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,341
−HK$1,705/mo
Today · 4.125%
HK$66,046
baseline
▲ 0.50% · 4.625%
HK$69,527
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,092/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,604 · Scale 2, in force from 26 Feb 2026)