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$31,288
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$989/mo
Today · 4.125%
HK$33,250
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,500/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,808
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$947/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,622
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,546
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,186/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,328
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,769
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,890
−HK$1,136/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,804
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,384/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,383
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,731
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,038
−HK$1,326/mo
Today · 4.125%
HK$51,364
baseline
▲ 0.50% · 4.625%
HK$54,071
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,728/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,319
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,071
−HK$1,780/mo
Today · 4.125%
HK$59,851
baseline
▲ 0.50% · 4.625%
HK$63,492
+HK$3,641/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,702/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,654
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,335
−HK$1,704/mo
Today · 4.125%
HK$66,039
baseline
▲ 0.50% · 4.625%
HK$69,520
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,078/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,552 · Scale 2, in force from 26 Feb 2026)