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$31,236
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,208
−HK$987/mo
Today · 4.125%
HK$33,195
baseline
▲ 0.50% · 4.625%
HK$35,215
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,390/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,750
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,682
−HK$945/mo
Today · 4.125%
HK$36,627
baseline
▲ 0.50% · 4.625%
HK$38,558
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,254/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,483
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,185/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$42,257
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,818
−HK$1,135/mo
Today · 4.125%
HK$43,953
baseline
▲ 0.50% · 4.625%
HK$46,269
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,906/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,730
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,091
−HK$1,382/mo
Today · 4.125%
HK$46,473
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,946/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,650
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,324/mo
Today · 4.125%
HK$51,278
baseline
▲ 0.50% · 4.625%
HK$53,981
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,556/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,225
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,974
−HK$1,777/mo
Today · 4.125%
HK$59,751
baseline
▲ 0.50% · 4.625%
HK$63,386
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,502/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,549
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,227
−HK$1,702/mo
Today · 4.125%
HK$65,929
baseline
▲ 0.50% · 4.625%
HK$69,404
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,858/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,692 · Scale 2, in force from 26 Feb 2026)