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$31,320
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,294
−HK$990/mo
Today · 4.125%
HK$33,284
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,568/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,843
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,778
−HK$948/mo
Today · 4.125%
HK$36,726
baseline
▲ 0.50% · 4.625%
HK$38,662
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,452/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,584
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,188/mo
Today · 4.125%
HK$39,941
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,882/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,812
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,138/mo
Today · 4.125%
HK$44,071
baseline
▲ 0.50% · 4.625%
HK$46,394
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,142/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,848
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,212
−HK$1,386/mo
Today · 4.125%
HK$46,598
baseline
▲ 0.50% · 4.625%
HK$49,433
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,196/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,781
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,089
−HK$1,327/mo
Today · 4.125%
HK$51,416
baseline
▲ 0.50% · 4.625%
HK$54,126
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,832/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,376
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,130
−HK$1,781/mo
Today · 4.125%
HK$59,911
baseline
▲ 0.50% · 4.625%
HK$63,557
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,822/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,718
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,400
−HK$1,706/mo
Today · 4.125%
HK$66,106
baseline
▲ 0.50% · 4.625%
HK$69,591
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,212/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,075 · Scale 2, in force from 26 Feb 2026)