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$31,275
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$989/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,794
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,727
−HK$946/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,606
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,531
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,698
−HK$1,186/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$42,311
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,752
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,872
−HK$1,136/mo
Today · 4.125%
HK$44,008
baseline
▲ 0.50% · 4.625%
HK$46,328
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,016/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,786
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,148
−HK$1,383/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$49,363
+HK$2,832/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,711
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,326/mo
Today · 4.125%
HK$51,343
baseline
▲ 0.50% · 4.625%
HK$54,049
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,686/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,296
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,047
−HK$1,779/mo
Today · 4.125%
HK$59,826
baseline
▲ 0.50% · 4.625%
HK$63,466
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,652/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,628
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,308
−HK$1,704/mo
Today · 4.125%
HK$66,012
baseline
▲ 0.50% · 4.625%
HK$69,492
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,024/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,341 · Scale 2, in force from 26 Feb 2026)