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$31,232
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$987/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,380/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,745
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,677
−HK$945/mo
Today · 4.125%
HK$36,622
baseline
▲ 0.50% · 4.625%
HK$38,553
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,244/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,185/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,694
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,813
−HK$1,134/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,725
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,085
−HK$1,382/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,643
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,948
−HK$1,323/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$53,974
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,218
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,777/mo
Today · 4.125%
HK$59,743
baseline
▲ 0.50% · 4.625%
HK$63,378
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,486/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,541
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,219
−HK$1,701/mo
Today · 4.125%
HK$65,920
baseline
▲ 0.50% · 4.625%
HK$69,395
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,840/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,626 · Scale 2, in force from 26 Feb 2026)