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$31,262
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$988/mo
Today · 4.125%
HK$33,222
baseline
▲ 0.50% · 4.625%
HK$35,244
+HK$2,022/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,444/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,779
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$947/mo
Today · 4.125%
HK$36,658
baseline
▲ 0.50% · 4.625%
HK$38,590
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,316/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,186/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$42,293
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,734/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,135/mo
Today · 4.125%
HK$43,989
baseline
▲ 0.50% · 4.625%
HK$46,308
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,978/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,767
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,383/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,325/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,026
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,272
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,022
−HK$1,778/mo
Today · 4.125%
HK$59,800
baseline
▲ 0.50% · 4.625%
HK$63,439
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,600/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,602
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,280
−HK$1,704/mo
Today · 4.125%
HK$65,984
baseline
▲ 0.50% · 4.625%
HK$69,462
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,968/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,120 · Scale 2, in force from 26 Feb 2026)