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$31,245
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$987/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$945/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,660
−HK$1,185/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,830
−HK$1,135/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,743
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,103
−HK$1,383/mo
Today · 4.125%
HK$46,486
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,972/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,968
−HK$1,324/mo
Today · 4.125%
HK$51,292
baseline
▲ 0.50% · 4.625%
HK$53,996
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,584/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,241
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,990
−HK$1,777/mo
Today · 4.125%
HK$59,767
baseline
▲ 0.50% · 4.625%
HK$63,404
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,534/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,567
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,245
−HK$1,702/mo
Today · 4.125%
HK$65,947
baseline
▲ 0.50% · 4.625%
HK$69,423
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,894/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,836 · Scale 2, in force from 26 Feb 2026)