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$31,241
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$987/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,756
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,688
−HK$945/mo
Today · 4.125%
HK$36,633
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,266/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,656
−HK$1,184/mo
Today · 4.125%
HK$39,840
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,680/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,707
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,825
−HK$1,135/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,738
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,383/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,963
−HK$1,324/mo
Today · 4.125%
HK$51,287
baseline
▲ 0.50% · 4.625%
HK$53,990
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,574/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,234
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,984
−HK$1,777/mo
Today · 4.125%
HK$59,761
baseline
▲ 0.50% · 4.625%
HK$63,397
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,522/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,560
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,238
−HK$1,702/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,416
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,780 · Scale 2, in force from 26 Feb 2026)