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$31,220
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,191
−HK$987/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,732
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$945/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,538
+HK$1,929/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,464
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,184/mo
Today · 4.125%
HK$39,813
baseline
▲ 0.50% · 4.625%
HK$42,236
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,626/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,678
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,796
−HK$1,134/mo
Today · 4.125%
HK$43,930
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,860/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,068
−HK$1,381/mo
Today · 4.125%
HK$46,449
baseline
▲ 0.50% · 4.625%
HK$49,275
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,898/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,625
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,929
−HK$1,323/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$53,953
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,196
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,944
−HK$1,776/mo
Today · 4.125%
HK$59,720
baseline
▲ 0.50% · 4.625%
HK$63,354
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,440/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,194
−HK$1,701/mo
Today · 4.125%
HK$65,895
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,790/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,431 · Scale 2, in force from 26 Feb 2026)