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$31,319
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,294
−HK$989/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$2,026/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,843
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$948/mo
Today · 4.125%
HK$36,725
baseline
▲ 0.50% · 4.625%
HK$38,661
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,450/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,583
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,752
−HK$1,188/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,370
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,811
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,932
−HK$1,138/mo
Today · 4.125%
HK$44,070
baseline
▲ 0.50% · 4.625%
HK$46,393
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,140/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,847
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,211
−HK$1,386/mo
Today · 4.125%
HK$46,597
baseline
▲ 0.50% · 4.625%
HK$49,432
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,194/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,780
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,088
−HK$1,327/mo
Today · 4.125%
HK$51,415
baseline
▲ 0.50% · 4.625%
HK$54,125
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,830/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,375
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,129
−HK$1,781/mo
Today · 4.125%
HK$59,910
baseline
▲ 0.50% · 4.625%
HK$63,556
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,820/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,717
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,399
−HK$1,706/mo
Today · 4.125%
HK$66,105
baseline
▲ 0.50% · 4.625%
HK$69,590
+HK$3,485/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,210/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,065 · Scale 2, in force from 26 Feb 2026)