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$31,245
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$988/mo
Today · 4.125%
HK$33,205
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,410/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,760
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$946/mo
Today · 4.125%
HK$36,638
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,276/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,185/mo
Today · 4.125%
HK$39,846
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,692/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,712
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,831
−HK$1,135/mo
Today · 4.125%
HK$43,966
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,932/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,743
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,104
−HK$1,383/mo
Today · 4.125%
HK$46,487
baseline
▲ 0.50% · 4.625%
HK$49,315
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,974/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,664
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,969
−HK$1,324/mo
Today · 4.125%
HK$51,293
baseline
▲ 0.50% · 4.625%
HK$53,997
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,586/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,242
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,991
−HK$1,777/mo
Today · 4.125%
HK$59,768
baseline
▲ 0.50% · 4.625%
HK$63,405
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,536/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,568
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,246
−HK$1,703/mo
Today · 4.125%
HK$65,949
baseline
▲ 0.50% · 4.625%
HK$69,425
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,898/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,846 · Scale 2, in force from 26 Feb 2026)