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$31,227
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$987/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,740
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$946/mo
Today · 4.125%
HK$36,617
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,234/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,472
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,184/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,688
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,134/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,718
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,381/mo
Today · 4.125%
HK$46,459
baseline
▲ 0.50% · 4.625%
HK$49,286
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,918/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,636
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,940
−HK$1,323/mo
Today · 4.125%
HK$51,263
baseline
▲ 0.50% · 4.625%
HK$53,965
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,526/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,209
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,957
−HK$1,776/mo
Today · 4.125%
HK$59,733
baseline
▲ 0.50% · 4.625%
HK$63,368
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,466/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,531
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,209
−HK$1,701/mo
Today · 4.125%
HK$65,910
baseline
▲ 0.50% · 4.625%
HK$69,384
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,820/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,545 · Scale 2, in force from 26 Feb 2026)