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$31,265
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$988/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$946/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,593
+HK$1,932/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,518
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,685
−HK$1,185/mo
Today · 4.125%
HK$39,870
baseline
▲ 0.50% · 4.625%
HK$42,296
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,740/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,738
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,857
−HK$1,136/mo
Today · 4.125%
HK$43,993
baseline
▲ 0.50% · 4.625%
HK$46,312
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,986/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,771
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,132
−HK$1,383/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$49,346
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,694
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,000
−HK$1,325/mo
Today · 4.125%
HK$51,325
baseline
▲ 0.50% · 4.625%
HK$54,031
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,650/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,277
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,027
−HK$1,779/mo
Today · 4.125%
HK$59,806
baseline
▲ 0.50% · 4.625%
HK$63,445
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,612/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,607
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,286
−HK$1,704/mo
Today · 4.125%
HK$65,990
baseline
▲ 0.50% · 4.625%
HK$69,468
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,980/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,165 · Scale 2, in force from 26 Feb 2026)