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$31,308
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$990/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$2,024/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,830
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$948/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,570
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,738
−HK$1,188/mo
Today · 4.125%
HK$39,926
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,852/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,137/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,831
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,385/mo
Today · 4.125%
HK$46,580
baseline
▲ 0.50% · 4.625%
HK$49,414
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,160/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,762
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,070
−HK$1,327/mo
Today · 4.125%
HK$51,397
baseline
▲ 0.50% · 4.625%
HK$54,106
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,794/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,355
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,108
−HK$1,781/mo
Today · 4.125%
HK$59,889
baseline
▲ 0.50% · 4.625%
HK$63,533
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,778/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,694
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,376
−HK$1,705/mo
Today · 4.125%
HK$66,081
baseline
▲ 0.50% · 4.625%
HK$69,565
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,162/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,880 · Scale 2, in force from 26 Feb 2026)