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$31,221
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$987/mo
Today · 4.125%
HK$33,179
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,358/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,733
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$945/mo
Today · 4.125%
HK$36,610
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$1,929/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,220/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,631
−HK$1,184/mo
Today · 4.125%
HK$39,815
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,630/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,680
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,798
−HK$1,134/mo
Today · 4.125%
HK$43,932
baseline
▲ 0.50% · 4.625%
HK$46,247
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,864/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,710
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,069
−HK$1,382/mo
Today · 4.125%
HK$46,451
baseline
▲ 0.50% · 4.625%
HK$49,277
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,902/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,626
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,931
−HK$1,323/mo
Today · 4.125%
HK$51,254
baseline
▲ 0.50% · 4.625%
HK$53,955
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,508/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,946
−HK$1,776/mo
Today · 4.125%
HK$59,722
baseline
▲ 0.50% · 4.625%
HK$63,356
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,444/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,520
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,197
−HK$1,701/mo
Today · 4.125%
HK$65,898
baseline
▲ 0.50% · 4.625%
HK$69,371
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,796/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,448 · Scale 2, in force from 26 Feb 2026)