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$31,262
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$988/mo
Today · 4.125%
HK$33,222
baseline
▲ 0.50% · 4.625%
HK$35,244
+HK$2,022/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,444/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,778
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$946/mo
Today · 4.125%
HK$36,657
baseline
▲ 0.50% · 4.625%
HK$38,590
+HK$1,933/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,314/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,185/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$42,292
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,732/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,136/mo
Today · 4.125%
HK$43,989
baseline
▲ 0.50% · 4.625%
HK$46,307
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,978/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,766
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,383/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,995
−HK$1,325/mo
Today · 4.125%
HK$51,320
baseline
▲ 0.50% · 4.625%
HK$54,025
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,640/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,271
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,021
−HK$1,779/mo
Today · 4.125%
HK$59,800
baseline
▲ 0.50% · 4.625%
HK$63,438
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,600/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,601
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,280
−HK$1,703/mo
Today · 4.125%
HK$65,983
baseline
▲ 0.50% · 4.625%
HK$69,461
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,966/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,115 · Scale 2, in force from 26 Feb 2026)