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$31,278
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,251
−HK$988/mo
Today · 4.125%
HK$33,239
baseline
▲ 0.50% · 4.625%
HK$35,262
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,478/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$946/mo
Today · 4.125%
HK$36,676
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,352/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,533
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,701
−HK$1,186/mo
Today · 4.125%
HK$39,887
baseline
▲ 0.50% · 4.625%
HK$42,314
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,774/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,756
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,875
−HK$1,137/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,331
+HK$2,319/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,789
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,384/mo
Today · 4.125%
HK$46,535
baseline
▲ 0.50% · 4.625%
HK$49,367
+HK$2,832/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,070/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,715
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,021
−HK$1,326/mo
Today · 4.125%
HK$51,347
baseline
▲ 0.50% · 4.625%
HK$54,053
+HK$2,706/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,694/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,300
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,051
−HK$1,780/mo
Today · 4.125%
HK$59,831
baseline
▲ 0.50% · 4.625%
HK$63,471
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,662/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,633
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,313
−HK$1,704/mo
Today · 4.125%
HK$66,017
baseline
▲ 0.50% · 4.625%
HK$69,497
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,034/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,381 · Scale 2, in force from 26 Feb 2026)