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$31,238
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$987/mo
Today · 4.125%
HK$33,197
baseline
▲ 0.50% · 4.625%
HK$35,217
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,394/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,752
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,684
−HK$946/mo
Today · 4.125%
HK$36,630
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,260/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,652
−HK$1,185/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$42,261
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,703
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,821
−HK$1,135/mo
Today · 4.125%
HK$43,956
baseline
▲ 0.50% · 4.625%
HK$46,273
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,912/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,734
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,382/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$49,304
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,958
−HK$1,324/mo
Today · 4.125%
HK$51,282
baseline
▲ 0.50% · 4.625%
HK$53,985
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,564/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,229
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,777/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$63,391
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,554
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,232
−HK$1,702/mo
Today · 4.125%
HK$65,934
baseline
▲ 0.50% · 4.625%
HK$69,409
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,868/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,730 · Scale 2, in force from 26 Feb 2026)