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$31,267
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$989/mo
Today · 4.125%
HK$33,228
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$2,021/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,456/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,784
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$946/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,596
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,186/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,746/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,860
−HK$1,136/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,315
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,135
−HK$1,384/mo
Today · 4.125%
HK$46,519
baseline
▲ 0.50% · 4.625%
HK$49,349
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,038/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,325/mo
Today · 4.125%
HK$51,329
baseline
▲ 0.50% · 4.625%
HK$54,034
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,658/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,280
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,031
−HK$1,779/mo
Today · 4.125%
HK$59,810
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,620/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,611
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,703/mo
Today · 4.125%
HK$65,994
baseline
▲ 0.50% · 4.625%
HK$69,473
+HK$3,479/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,988/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,201 · Scale 2, in force from 26 Feb 2026)