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$31,277
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$988/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$35,261
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,729
−HK$946/mo
Today · 4.125%
HK$36,675
baseline
▲ 0.50% · 4.625%
HK$38,609
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,350/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,533
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,186/mo
Today · 4.125%
HK$39,886
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,772/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,755
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,874
−HK$1,136/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,788
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,150
−HK$1,384/mo
Today · 4.125%
HK$46,534
baseline
▲ 0.50% · 4.625%
HK$49,365
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,068/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,714
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,020
−HK$1,326/mo
Today · 4.125%
HK$51,346
baseline
▲ 0.50% · 4.625%
HK$54,052
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,692/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,299
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,050
−HK$1,779/mo
Today · 4.125%
HK$59,829
baseline
▲ 0.50% · 4.625%
HK$63,470
+HK$3,641/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,658/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,632
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,312
−HK$1,704/mo
Today · 4.125%
HK$66,016
baseline
▲ 0.50% · 4.625%
HK$69,495
+HK$3,479/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,032/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,369 · Scale 2, in force from 26 Feb 2026)