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$32,227
−HK$987/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$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$946/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,505
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,185/mo
Today · 4.125%
HK$39,857
baseline
▲ 0.50% · 4.625%
HK$42,282
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,714/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,724
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,843
−HK$1,136/mo
Today · 4.125%
HK$43,979
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,958/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,756
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,117
−HK$1,383/mo
Today · 4.125%
HK$46,500
baseline
▲ 0.50% · 4.625%
HK$49,330
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$93,000/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,678
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,984
−HK$1,324/mo
Today · 4.125%
HK$51,308
baseline
▲ 0.50% · 4.625%
HK$54,013
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,616/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,258
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,008
−HK$1,778/mo
Today · 4.125%
HK$59,786
baseline
▲ 0.50% · 4.625%
HK$63,424
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,572/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,586
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,265
−HK$1,703/mo
Today · 4.125%
HK$65,968
baseline
▲ 0.50% · 4.625%
HK$69,445
+HK$3,477/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,936/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,996 · Scale 2, in force from 26 Feb 2026)