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$31,233
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,205
−HK$987/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,747
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$946/mo
Today · 4.125%
HK$36,624
baseline
▲ 0.50% · 4.625%
HK$38,554
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,248/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,480
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,646
−HK$1,184/mo
Today · 4.125%
HK$39,830
baseline
▲ 0.50% · 4.625%
HK$42,254
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,660/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,696
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,814
−HK$1,135/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,726
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,087
−HK$1,381/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$49,296
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,645
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,950
−HK$1,323/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$53,976
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,777/mo
Today · 4.125%
HK$59,745
baseline
▲ 0.50% · 4.625%
HK$63,381
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,490/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,544
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,221
−HK$1,702/mo
Today · 4.125%
HK$65,923
baseline
▲ 0.50% · 4.625%
HK$69,398
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,846/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,646 · Scale 2, in force from 26 Feb 2026)