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$31,298
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$989/mo
Today · 4.125%
HK$33,261
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$2,024/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,522/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,819
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,753
−HK$947/mo
Today · 4.125%
HK$36,700
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$1,935/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,400/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,187/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,429/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,136/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,322/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,818
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,181
−HK$1,384/mo
Today · 4.125%
HK$46,565
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,834/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,130/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,747
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,326/mo
Today · 4.125%
HK$51,380
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$2,709/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,760/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,337
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,089
−HK$1,781/mo
Today · 4.125%
HK$59,870
baseline
▲ 0.50% · 4.625%
HK$63,513
+HK$3,643/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,740/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,674
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,355
−HK$1,706/mo
Today · 4.125%
HK$66,061
baseline
▲ 0.50% · 4.625%
HK$69,543
+HK$3,482/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,122/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,718 · Scale 2, in force from 26 Feb 2026)