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$31,307
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$990/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,829
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,763
−HK$948/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,646
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,569
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,188/mo
Today · 4.125%
HK$39,925
baseline
▲ 0.50% · 4.625%
HK$42,354
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,850/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,795
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,916
−HK$1,137/mo
Today · 4.125%
HK$44,053
baseline
▲ 0.50% · 4.625%
HK$46,375
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,106/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,830
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,194
−HK$1,385/mo
Today · 4.125%
HK$46,579
baseline
▲ 0.50% · 4.625%
HK$49,413
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,158/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,761
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,068
−HK$1,327/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,353
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,106
−HK$1,781/mo
Today · 4.125%
HK$59,887
baseline
▲ 0.50% · 4.625%
HK$63,531
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,774/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,692
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,374
−HK$1,705/mo
Today · 4.125%
HK$66,079
baseline
▲ 0.50% · 4.625%
HK$69,562
+HK$3,483/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,158/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,865 · Scale 2, in force from 26 Feb 2026)