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$31,324
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$990/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$2,025/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$948/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$1,936/mo
Deposit HK$6.87M · loan HK$6.87M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,759
−HK$1,187/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,377
+HK$2,431/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,818
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,939
−HK$1,138/mo
Today · 4.125%
HK$44,077
baseline
▲ 0.50% · 4.625%
HK$46,400
+HK$2,323/mo
Deposit HK$5.49M · loan HK$8.24M · min. income ≈ HK$88,154/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,854
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,218
−HK$1,386/mo
Today · 4.125%
HK$46,604
baseline
▲ 0.50% · 4.625%
HK$49,440
+HK$2,836/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$93,208/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,787
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,327/mo
Today · 4.125%
HK$51,423
baseline
▲ 0.50% · 4.625%
HK$54,134
+HK$2,711/mo
Deposit HK$4.12M · loan HK$9.62M · min. income ≈ HK$102,846/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,384
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,138
−HK$1,782/mo
Today · 4.125%
HK$59,920
baseline
▲ 0.50% · 4.625%
HK$63,566
+HK$3,646/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$119,840/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,727
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,706/mo
Today · 4.125%
HK$66,115
baseline
▲ 0.50% · 4.625%
HK$69,601
+HK$3,486/mo
Deposit HK$1.37M · loan HK$12.36M · min. income ≈ HK$132,230/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$515,147 · Scale 2, in force from 26 Feb 2026)