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$31,299
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$989/mo
Today · 4.125%
HK$33,261
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,522/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,819
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,753
−HK$948/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,727
−HK$1,187/mo
Today · 4.125%
HK$39,914
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,828/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,137/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,818
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,181
−HK$1,385/mo
Today · 4.125%
HK$46,566
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,132/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,747
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,055
−HK$1,326/mo
Today · 4.125%
HK$51,381
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,762/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,338
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,090
−HK$1,781/mo
Today · 4.125%
HK$59,871
baseline
▲ 0.50% · 4.625%
HK$63,513
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,742/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,675
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,356
−HK$1,705/mo
Today · 4.125%
HK$66,061
baseline
▲ 0.50% · 4.625%
HK$69,543
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,122/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,724 · Scale 2, in force from 26 Feb 2026)