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$31,315
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$990/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$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$948/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,655
+HK$1,935/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,578
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,188/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$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,805
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,926
−HK$1,138/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,387
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,841
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,205
−HK$1,385/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,425
+HK$2,835/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,773
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,081
−HK$1,327/mo
Today · 4.125%
HK$51,408
baseline
▲ 0.50% · 4.625%
HK$54,118
+HK$2,710/mo
Deposit HK$4.12M · loan HK$9.61M · min. income ≈ HK$102,816/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,367
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,120
−HK$1,782/mo
Today · 4.125%
HK$59,902
baseline
▲ 0.50% · 4.625%
HK$63,547
+HK$3,645/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,804/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,708
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,390
−HK$1,706/mo
Today · 4.125%
HK$66,096
baseline
▲ 0.50% · 4.625%
HK$69,580
+HK$3,484/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,192/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,993 · Scale 2, in force from 26 Feb 2026)