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$31,266
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$988/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$35,248
+HK$2,021/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,783
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$946/mo
Today · 4.125%
HK$36,662
baseline
▲ 0.50% · 4.625%
HK$38,595
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,324/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,519
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,186/mo
Today · 4.125%
HK$39,872
baseline
▲ 0.50% · 4.625%
HK$42,298
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,744/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,740
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,136/mo
Today · 4.125%
HK$43,995
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,990/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,772
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,134
−HK$1,383/mo
Today · 4.125%
HK$46,517
baseline
▲ 0.50% · 4.625%
HK$49,348
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,034/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,696
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,002
−HK$1,325/mo
Today · 4.125%
HK$51,327
baseline
▲ 0.50% · 4.625%
HK$54,033
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,654/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,279
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,029
−HK$1,779/mo
Today · 4.125%
HK$59,808
baseline
▲ 0.50% · 4.625%
HK$63,447
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,616/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,610
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,289
−HK$1,703/mo
Today · 4.125%
HK$65,992
baseline
▲ 0.50% · 4.625%
HK$69,471
+HK$3,479/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,984/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,185 · Scale 2, in force from 26 Feb 2026)