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$31,311
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,285
−HK$990/mo
Today · 4.125%
HK$33,275
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$2,024/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,550/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,768
−HK$947/mo
Today · 4.125%
HK$36,715
baseline
▲ 0.50% · 4.625%
HK$38,651
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,430/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,573
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,742
−HK$1,188/mo
Today · 4.125%
HK$39,930
baseline
▲ 0.50% · 4.625%
HK$42,359
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,860/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,800
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,921
−HK$1,137/mo
Today · 4.125%
HK$44,058
baseline
▲ 0.50% · 4.625%
HK$46,381
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,116/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,836
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,199
−HK$1,385/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,419
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,767
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,326/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,111
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,360
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,113
−HK$1,781/mo
Today · 4.125%
HK$59,894
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,788/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,700
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,382
−HK$1,705/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$69,571
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,928 · Scale 2, in force from 26 Feb 2026)