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$31,243
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$987/mo
Today · 4.125%
HK$33,202
baseline
▲ 0.50% · 4.625%
HK$35,223
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,404/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,758
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,690
−HK$946/mo
Today · 4.125%
HK$36,636
baseline
▲ 0.50% · 4.625%
HK$38,567
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,272/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,492
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,185/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,135/mo
Today · 4.125%
HK$43,963
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,926/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,741
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,382/mo
Today · 4.125%
HK$46,483
baseline
▲ 0.50% · 4.625%
HK$49,312
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,966/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,661
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,966
−HK$1,324/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,238
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,987
−HK$1,777/mo
Today · 4.125%
HK$59,764
baseline
▲ 0.50% · 4.625%
HK$63,401
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,528/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,564
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,242
−HK$1,702/mo
Today · 4.125%
HK$65,944
baseline
▲ 0.50% · 4.625%
HK$69,420
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,888/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,812 · Scale 2, in force from 26 Feb 2026)