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$31,254
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,226
−HK$988/mo
Today · 4.125%
HK$33,214
baseline
▲ 0.50% · 4.625%
HK$35,235
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,428/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,769
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,702
−HK$946/mo
Today · 4.125%
HK$36,648
baseline
▲ 0.50% · 4.625%
HK$38,580
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,296/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,504
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,671
−HK$1,185/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,723
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,842
−HK$1,135/mo
Today · 4.125%
HK$43,977
baseline
▲ 0.50% · 4.625%
HK$46,296
+HK$2,319/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,954/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,755
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,116
−HK$1,383/mo
Today · 4.125%
HK$46,499
baseline
▲ 0.50% · 4.625%
HK$49,328
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,998/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,677
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,983
−HK$1,324/mo
Today · 4.125%
HK$51,307
baseline
▲ 0.50% · 4.625%
HK$54,012
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,614/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,257
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,777/mo
Today · 4.125%
HK$59,784
baseline
▲ 0.50% · 4.625%
HK$63,422
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,568/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,585
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,263
−HK$1,703/mo
Today · 4.125%
HK$65,966
baseline
▲ 0.50% · 4.625%
HK$69,443
+HK$3,477/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,932/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,983 · Scale 2, in force from 26 Feb 2026)