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$31,324
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$990/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,847
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,782
−HK$948/mo
Today · 4.125%
HK$36,730
baseline
▲ 0.50% · 4.625%
HK$38,666
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,460/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,758
−HK$1,188/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,376
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,817
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,938
−HK$1,138/mo
Today · 4.125%
HK$44,076
baseline
▲ 0.50% · 4.625%
HK$46,399
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,152/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,853
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,217
−HK$1,386/mo
Today · 4.125%
HK$46,603
baseline
▲ 0.50% · 4.625%
HK$49,439
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,206/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,786
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,095
−HK$1,327/mo
Today · 4.125%
HK$51,422
baseline
▲ 0.50% · 4.625%
HK$54,133
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,844/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,383
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,137
−HK$1,782/mo
Today · 4.125%
HK$59,919
baseline
▲ 0.50% · 4.625%
HK$63,564
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,838/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,725
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,408
−HK$1,706/mo
Today · 4.125%
HK$66,114
baseline
▲ 0.50% · 4.625%
HK$69,599
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,228/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,136 · Scale 2, in force from 26 Feb 2026)