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$31,225
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$986/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$946/mo
Today · 4.125%
HK$36,615
baseline
▲ 0.50% · 4.625%
HK$38,545
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,230/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,470
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,636
−HK$1,184/mo
Today · 4.125%
HK$39,820
baseline
▲ 0.50% · 4.625%
HK$42,243
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,640/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,685
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,803
−HK$1,134/mo
Today · 4.125%
HK$43,937
baseline
▲ 0.50% · 4.625%
HK$46,253
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,874/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,715
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,075
−HK$1,382/mo
Today · 4.125%
HK$46,457
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,914/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,633
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,937
−HK$1,323/mo
Today · 4.125%
HK$51,260
baseline
▲ 0.50% · 4.625%
HK$53,962
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,520/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,205
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,954
−HK$1,776/mo
Today · 4.125%
HK$59,730
baseline
▲ 0.50% · 4.625%
HK$63,365
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,460/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,528
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,205
−HK$1,701/mo
Today · 4.125%
HK$65,906
baseline
▲ 0.50% · 4.625%
HK$69,380
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,812/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,516 · Scale 2, in force from 26 Feb 2026)