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$31,280
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,253
−HK$988/mo
Today · 4.125%
HK$33,241
baseline
▲ 0.50% · 4.625%
HK$35,264
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,482/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,732
−HK$946/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,612
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,536
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,187/mo
Today · 4.125%
HK$39,890
baseline
▲ 0.50% · 4.625%
HK$42,317
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,780/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,878
−HK$1,136/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,334
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,792
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,154
−HK$1,384/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$49,369
+HK$2,831/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,718
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,024
−HK$1,326/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,057
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,304
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,055
−HK$1,779/mo
Today · 4.125%
HK$59,834
baseline
▲ 0.50% · 4.625%
HK$63,475
+HK$3,641/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,668/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,637
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,317
−HK$1,704/mo
Today · 4.125%
HK$66,021
baseline
▲ 0.50% · 4.625%
HK$69,501
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,042/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,412 · Scale 2, in force from 26 Feb 2026)