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$31,226
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$987/mo
Today · 4.125%
HK$33,184
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,368/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,739
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,670
−HK$945/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$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,184/mo
Today · 4.125%
HK$39,821
baseline
▲ 0.50% · 4.625%
HK$42,244
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,642/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,686
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,804
−HK$1,134/mo
Today · 4.125%
HK$43,938
baseline
▲ 0.50% · 4.625%
HK$46,255
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,876/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,076
−HK$1,382/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$49,285
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,324/mo
Today · 4.125%
HK$51,262
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,524/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,207
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,955
−HK$1,776/mo
Today · 4.125%
HK$59,731
baseline
▲ 0.50% · 4.625%
HK$63,366
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,462/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,529
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,206
−HK$1,702/mo
Today · 4.125%
HK$65,908
baseline
▲ 0.50% · 4.625%
HK$69,382
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,816/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,528 · Scale 2, in force from 26 Feb 2026)