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$31,310
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$990/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$2,024/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,767
−HK$947/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,572
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,741
−HK$1,188/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,137/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,834
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,385/mo
Today · 4.125%
HK$46,583
baseline
▲ 0.50% · 4.625%
HK$49,418
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,166/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,765
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,073
−HK$1,327/mo
Today · 4.125%
HK$51,400
baseline
▲ 0.50% · 4.625%
HK$54,109
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,800/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,359
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,781/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,537
+HK$3,644/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,698
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,380
−HK$1,706/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$69,569
+HK$3,483/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,915 · Scale 2, in force from 26 Feb 2026)