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$31,258
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,230
−HK$988/mo
Today · 4.125%
HK$33,218
baseline
▲ 0.50% · 4.625%
HK$35,239
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,436/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,774
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$946/mo
Today · 4.125%
HK$36,653
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,306/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,510
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,676
−HK$1,186/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$42,287
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,729
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,848
−HK$1,136/mo
Today · 4.125%
HK$43,984
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,968/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,122
−HK$1,383/mo
Today · 4.125%
HK$46,505
baseline
▲ 0.50% · 4.625%
HK$49,335
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,010/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,324/mo
Today · 4.125%
HK$51,314
baseline
▲ 0.50% · 4.625%
HK$54,019
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,628/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,264
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,015
−HK$1,778/mo
Today · 4.125%
HK$59,793
baseline
▲ 0.50% · 4.625%
HK$63,431
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,586/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,594
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,272
−HK$1,703/mo
Today · 4.125%
HK$65,975
baseline
▲ 0.50% · 4.625%
HK$69,453
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,950/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,054 · Scale 2, in force from 26 Feb 2026)