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$31,282
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,255
−HK$988/mo
Today · 4.125%
HK$33,243
baseline
▲ 0.50% · 4.625%
HK$35,266
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,486/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,734
−HK$947/mo
Today · 4.125%
HK$36,681
baseline
▲ 0.50% · 4.625%
HK$38,614
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,362/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,538
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,186/mo
Today · 4.125%
HK$39,892
baseline
▲ 0.50% · 4.625%
HK$42,319
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,784/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,761
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,136/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,794
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,157
−HK$1,384/mo
Today · 4.125%
HK$46,541
baseline
▲ 0.50% · 4.625%
HK$49,373
+HK$2,832/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,082/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,721
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,028
−HK$1,325/mo
Today · 4.125%
HK$51,353
baseline
▲ 0.50% · 4.625%
HK$54,060
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,706/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,307
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,059
−HK$1,779/mo
Today · 4.125%
HK$59,838
baseline
▲ 0.50% · 4.625%
HK$63,479
+HK$3,641/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,676/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,641
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,321
−HK$1,704/mo
Today · 4.125%
HK$66,025
baseline
▲ 0.50% · 4.625%
HK$69,506
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,050/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,445 · Scale 2, in force from 26 Feb 2026)