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$31,310
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$990/mo
Today · 4.125%
HK$33,273
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,546/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,766
−HK$947/mo
Today · 4.125%
HK$36,713
baseline
▲ 0.50% · 4.625%
HK$38,649
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,426/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,572
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,740
−HK$1,188/mo
Today · 4.125%
HK$39,928
baseline
▲ 0.50% · 4.625%
HK$42,357
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,856/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,798
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,919
−HK$1,137/mo
Today · 4.125%
HK$44,056
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,112/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,833
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,385/mo
Today · 4.125%
HK$46,582
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,164/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,764
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,327/mo
Today · 4.125%
HK$51,399
baseline
▲ 0.50% · 4.625%
HK$54,108
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,798/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,357
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,781/mo
Today · 4.125%
HK$59,891
baseline
▲ 0.50% · 4.625%
HK$63,536
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,782/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,697
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,378
−HK$1,706/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$69,568
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,903 · Scale 2, in force from 26 Feb 2026)