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$31,273
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$989/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,724
−HK$946/mo
Today · 4.125%
HK$36,670
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,340/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,527
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,695
−HK$1,186/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$42,307
+HK$2,426/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,749
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,868
−HK$1,136/mo
Today · 4.125%
HK$44,004
baseline
▲ 0.50% · 4.625%
HK$46,324
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,008/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,782
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,144
−HK$1,383/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,707
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,013
−HK$1,325/mo
Today · 4.125%
HK$51,338
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,676/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,291
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,042
−HK$1,779/mo
Today · 4.125%
HK$59,821
baseline
▲ 0.50% · 4.625%
HK$63,461
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,642/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,623
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,303
−HK$1,703/mo
Today · 4.125%
HK$66,006
baseline
▲ 0.50% · 4.625%
HK$69,486
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,012/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,296 · Scale 2, in force from 26 Feb 2026)