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$31,225
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$987/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$35,202
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,737
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$945/mo
Today · 4.125%
HK$36,614
baseline
▲ 0.50% · 4.625%
HK$38,544
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,228/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,470
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,635
−HK$1,184/mo
Today · 4.125%
HK$39,819
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,638/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,685
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,803
−HK$1,134/mo
Today · 4.125%
HK$43,937
baseline
▲ 0.50% · 4.625%
HK$46,253
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,874/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,715
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,074
−HK$1,382/mo
Today · 4.125%
HK$46,456
baseline
▲ 0.50% · 4.625%
HK$49,283
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,912/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,632
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,936
−HK$1,324/mo
Today · 4.125%
HK$51,260
baseline
▲ 0.50% · 4.625%
HK$53,961
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,520/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,205
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,953
−HK$1,776/mo
Today · 4.125%
HK$59,729
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,458/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,527
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,204
−HK$1,701/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,379
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,507 · Scale 2, in force from 26 Feb 2026)