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$31,247
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$987/mo
Today · 4.125%
HK$33,206
baseline
▲ 0.50% · 4.625%
HK$35,227
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,412/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,762
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,694
−HK$946/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,571
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,280/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,496
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,185/mo
Today · 4.125%
HK$39,848
baseline
▲ 0.50% · 4.625%
HK$42,272
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,696/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,714
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,135/mo
Today · 4.125%
HK$43,968
baseline
▲ 0.50% · 4.625%
HK$46,286
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,936/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,746
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,106
−HK$1,383/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$49,318
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,667
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,324/mo
Today · 4.125%
HK$51,296
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,592/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,244
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,994
−HK$1,777/mo
Today · 4.125%
HK$59,771
baseline
▲ 0.50% · 4.625%
HK$63,408
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,542/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,571
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,250
−HK$1,702/mo
Today · 4.125%
HK$65,952
baseline
▲ 0.50% · 4.625%
HK$69,428
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,904/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,872 · Scale 2, in force from 26 Feb 2026)