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$31,223
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,194
−HK$987/mo
Today · 4.125%
HK$33,181
baseline
▲ 0.50% · 4.625%
HK$35,200
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,362/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,735
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,667
−HK$945/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,468
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,184/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,683
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,135/mo
Today · 4.125%
HK$43,935
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,870/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,712
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,072
−HK$1,382/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$49,280
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,630
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,323/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$53,959
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,202
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,950
−HK$1,776/mo
Today · 4.125%
HK$59,726
baseline
▲ 0.50% · 4.625%
HK$63,360
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,452/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,201
−HK$1,701/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,376
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,804/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,482 · Scale 2, in force from 26 Feb 2026)