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$31,274
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$989/mo
Today · 4.125%
HK$33,236
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$2,022/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,472/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,793
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$946/mo
Today · 4.125%
HK$36,672
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,344/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,529
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,186/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$42,310
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,751
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,136/mo
Today · 4.125%
HK$44,007
baseline
▲ 0.50% · 4.625%
HK$46,326
+HK$2,319/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,014/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,784
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,146
−HK$1,384/mo
Today · 4.125%
HK$46,530
baseline
▲ 0.50% · 4.625%
HK$49,361
+HK$2,831/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,060/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,710
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,016
−HK$1,325/mo
Today · 4.125%
HK$51,341
baseline
▲ 0.50% · 4.625%
HK$54,047
+HK$2,706/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,682/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,294
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,045
−HK$1,779/mo
Today · 4.125%
HK$59,824
baseline
▲ 0.50% · 4.625%
HK$63,464
+HK$3,640/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,648/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,627
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,306
−HK$1,704/mo
Today · 4.125%
HK$66,010
baseline
▲ 0.50% · 4.625%
HK$69,490
+HK$3,480/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$132,020/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,326 · Scale 2, in force from 26 Feb 2026)