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$31,271
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,243
−HK$989/mo
Today · 4.125%
HK$33,232
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,464/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$947/mo
Today · 4.125%
HK$36,668
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,336/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,692
−HK$1,186/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$42,304
+HK$2,426/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,746
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,135/mo
Today · 4.125%
HK$44,001
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,002/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,779
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,141
−HK$1,383/mo
Today · 4.125%
HK$46,524
baseline
▲ 0.50% · 4.625%
HK$49,355
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,048/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,704
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,010
−HK$1,325/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,041
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,287
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,038
−HK$1,779/mo
Today · 4.125%
HK$59,817
baseline
▲ 0.50% · 4.625%
HK$63,457
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,634/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,619
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,704/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$69,481
+HK$3,479/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,262 · Scale 2, in force from 26 Feb 2026)