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$31,218
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$987/mo
Today · 4.125%
HK$33,176
baseline
▲ 0.50% · 4.625%
HK$35,194
+HK$2,018/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,352/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,730
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,661
−HK$945/mo
Today · 4.125%
HK$36,606
baseline
▲ 0.50% · 4.625%
HK$38,536
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,212/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,462
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,627
−HK$1,184/mo
Today · 4.125%
HK$39,811
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,622/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,676
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,793
−HK$1,134/mo
Today · 4.125%
HK$43,927
baseline
▲ 0.50% · 4.625%
HK$46,243
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,854/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,705
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,065
−HK$1,381/mo
Today · 4.125%
HK$46,446
baseline
▲ 0.50% · 4.625%
HK$49,272
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,892/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,622
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,926
−HK$1,322/mo
Today · 4.125%
HK$51,248
baseline
▲ 0.50% · 4.625%
HK$53,950
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,496/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,192
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,940
−HK$1,776/mo
Today · 4.125%
HK$59,716
baseline
▲ 0.50% · 4.625%
HK$63,350
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,432/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,513
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,190
−HK$1,701/mo
Today · 4.125%
HK$65,891
baseline
▲ 0.50% · 4.625%
HK$69,364
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,782/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,396 · Scale 2, in force from 26 Feb 2026)