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$31,228
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$987/mo
Today · 4.125%
HK$33,186
baseline
▲ 0.50% · 4.625%
HK$35,205
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,372/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,741
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,672
−HK$946/mo
Today · 4.125%
HK$36,618
baseline
▲ 0.50% · 4.625%
HK$38,548
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,236/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,184/mo
Today · 4.125%
HK$39,823
baseline
▲ 0.50% · 4.625%
HK$42,246
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,646/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,689
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,807
−HK$1,134/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,719
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,381/mo
Today · 4.125%
HK$46,460
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,920/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,637
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,941
−HK$1,324/mo
Today · 4.125%
HK$51,265
baseline
▲ 0.50% · 4.625%
HK$53,967
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,530/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,210
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,958
−HK$1,777/mo
Today · 4.125%
HK$59,735
baseline
▲ 0.50% · 4.625%
HK$63,370
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,470/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,533
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,210
−HK$1,702/mo
Today · 4.125%
HK$65,912
baseline
▲ 0.50% · 4.625%
HK$69,386
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,824/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,557 · Scale 2, in force from 26 Feb 2026)