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$31,244
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$988/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$946/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,493
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,185/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,829
−HK$1,135/mo
Today · 4.125%
HK$43,964
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,928/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,742
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,103
−HK$1,382/mo
Today · 4.125%
HK$46,485
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,970/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,968
−HK$1,324/mo
Today · 4.125%
HK$51,292
baseline
▲ 0.50% · 4.625%
HK$53,995
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,584/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,240
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,989
−HK$1,777/mo
Today · 4.125%
HK$59,766
baseline
▲ 0.50% · 4.625%
HK$63,403
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,532/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,566
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,244
−HK$1,702/mo
Today · 4.125%
HK$65,946
baseline
▲ 0.50% · 4.625%
HK$69,423
+HK$3,477/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,892/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,829 · Scale 2, in force from 26 Feb 2026)