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$31,246
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,218
−HK$987/mo
Today · 4.125%
HK$33,205
baseline
▲ 0.50% · 4.625%
HK$35,226
+HK$2,021/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$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,761
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,693
−HK$946/mo
Today · 4.125%
HK$36,639
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,278/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,495
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,662
−HK$1,185/mo
Today · 4.125%
HK$39,847
baseline
▲ 0.50% · 4.625%
HK$42,271
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,694/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,713
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,832
−HK$1,135/mo
Today · 4.125%
HK$43,967
baseline
▲ 0.50% · 4.625%
HK$46,284
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,934/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,745
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,383/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$49,316
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,665
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,971
−HK$1,324/mo
Today · 4.125%
HK$51,295
baseline
▲ 0.50% · 4.625%
HK$53,998
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,590/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,992
−HK$1,778/mo
Today · 4.125%
HK$59,770
baseline
▲ 0.50% · 4.625%
HK$63,407
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,540/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,570
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,248
−HK$1,702/mo
Today · 4.125%
HK$65,950
baseline
▲ 0.50% · 4.625%
HK$69,426
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,900/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,858 · Scale 2, in force from 26 Feb 2026)