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$31,233
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,204
−HK$987/mo
Today · 4.125%
HK$33,191
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,382/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,746
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$945/mo
Today · 4.125%
HK$36,623
baseline
▲ 0.50% · 4.625%
HK$38,554
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,246/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,645
−HK$1,185/mo
Today · 4.125%
HK$39,830
baseline
▲ 0.50% · 4.625%
HK$42,253
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,660/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,695
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,814
−HK$1,134/mo
Today · 4.125%
HK$43,948
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,896/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,726
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,382/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$49,295
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,645
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,949
−HK$1,324/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$53,975
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,219
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,776/mo
Today · 4.125%
HK$59,744
baseline
▲ 0.50% · 4.625%
HK$63,380
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,488/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,543
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,220
−HK$1,702/mo
Today · 4.125%
HK$65,922
baseline
▲ 0.50% · 4.625%
HK$69,397
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,844/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,639 · Scale 2, in force from 26 Feb 2026)