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$31,258
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,231
−HK$988/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$35,240
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,775
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$946/mo
Today · 4.125%
HK$36,653
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,306/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,510
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,185/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$42,288
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,729
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,135/mo
Today · 4.125%
HK$43,984
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,968/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,762
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,383/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$49,336
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,325/mo
Today · 4.125%
HK$51,315
baseline
▲ 0.50% · 4.625%
HK$54,020
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,630/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,265
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,015
−HK$1,778/mo
Today · 4.125%
HK$59,793
baseline
▲ 0.50% · 4.625%
HK$63,432
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,586/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,594
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,273
−HK$1,703/mo
Today · 4.125%
HK$65,976
baseline
▲ 0.50% · 4.625%
HK$69,454
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,952/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,060 · Scale 2, in force from 26 Feb 2026)