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$31,247
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$988/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$35,227
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,762
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,695
−HK$945/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,280/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,497
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,185/mo
Today · 4.125%
HK$39,848
baseline
▲ 0.50% · 4.625%
HK$42,273
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,696/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,715
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,834
−HK$1,134/mo
Today · 4.125%
HK$43,968
baseline
▲ 0.50% · 4.625%
HK$46,286
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,936/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,746
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,382/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$49,318
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,667
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,325/mo
Today · 4.125%
HK$51,297
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,594/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,245
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,995
−HK$1,777/mo
Today · 4.125%
HK$59,772
baseline
▲ 0.50% · 4.625%
HK$63,409
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,544/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,572
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,250
−HK$1,703/mo
Today · 4.125%
HK$65,953
baseline
▲ 0.50% · 4.625%
HK$69,429
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,906/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,878 · Scale 2, in force from 26 Feb 2026)