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$31,231
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,202
−HK$987/mo
Today · 4.125%
HK$33,189
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,378/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,744
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$945/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,477
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,184/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$42,251
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,693
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,811
−HK$1,135/mo
Today · 4.125%
HK$43,946
baseline
▲ 0.50% · 4.625%
HK$46,262
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,892/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,723
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,083
−HK$1,382/mo
Today · 4.125%
HK$46,465
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,930/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,642
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,946
−HK$1,324/mo
Today · 4.125%
HK$51,270
baseline
▲ 0.50% · 4.625%
HK$53,972
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,540/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,216
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,964
−HK$1,777/mo
Today · 4.125%
HK$59,741
baseline
▲ 0.50% · 4.625%
HK$63,376
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,482/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,540
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,217
−HK$1,701/mo
Today · 4.125%
HK$65,918
baseline
▲ 0.50% · 4.625%
HK$69,393
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,836/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,611 · Scale 2, in force from 26 Feb 2026)