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$31,316
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$989/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$948/mo
Today · 4.125%
HK$36,721
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,442/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,579
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,748
−HK$1,187/mo
Today · 4.125%
HK$39,935
baseline
▲ 0.50% · 4.625%
HK$42,365
+HK$2,430/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,870/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,806
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,138/mo
Today · 4.125%
HK$44,065
baseline
▲ 0.50% · 4.625%
HK$46,387
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,130/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,842
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,206
−HK$1,385/mo
Today · 4.125%
HK$46,591
baseline
▲ 0.50% · 4.625%
HK$49,426
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,182/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,774
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,082
−HK$1,327/mo
Today · 4.125%
HK$51,409
baseline
▲ 0.50% · 4.625%
HK$54,119
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,818/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,368
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,122
−HK$1,781/mo
Today · 4.125%
HK$59,903
baseline
▲ 0.50% · 4.625%
HK$63,548
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,806/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,709
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,391
−HK$1,706/mo
Today · 4.125%
HK$66,097
baseline
▲ 0.50% · 4.625%
HK$69,581
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,194/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,003 · Scale 2, in force from 26 Feb 2026)