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$31,301
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$990/mo
Today · 4.125%
HK$33,264
baseline
▲ 0.50% · 4.625%
HK$35,288
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,528/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$947/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,561
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,187/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,786
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,137/mo
Today · 4.125%
HK$44,044
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,088/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,184
−HK$1,385/mo
Today · 4.125%
HK$46,569
baseline
▲ 0.50% · 4.625%
HK$49,403
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,138/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,751
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,058
−HK$1,327/mo
Today · 4.125%
HK$51,385
baseline
▲ 0.50% · 4.625%
HK$54,093
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,770/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,342
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,094
−HK$1,781/mo
Today · 4.125%
HK$59,875
baseline
▲ 0.50% · 4.625%
HK$63,518
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,750/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,679
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,360
−HK$1,706/mo
Today · 4.125%
HK$66,066
baseline
▲ 0.50% · 4.625%
HK$69,548
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,132/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,759 · Scale 2, in force from 26 Feb 2026)