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$31,256
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,228
−HK$987/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$2,022/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,704
−HK$946/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,582
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,673
−HK$1,186/mo
Today · 4.125%
HK$39,859
baseline
▲ 0.50% · 4.625%
HK$42,284
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,718/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,726
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,845
−HK$1,135/mo
Today · 4.125%
HK$43,980
baseline
▲ 0.50% · 4.625%
HK$46,298
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,960/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,119
−HK$1,383/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$49,331
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,680
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,324/mo
Today · 4.125%
HK$51,310
baseline
▲ 0.50% · 4.625%
HK$54,015
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,620/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,260
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,010
−HK$1,778/mo
Today · 4.125%
HK$59,788
baseline
▲ 0.50% · 4.625%
HK$63,426
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,576/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,589
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,267
−HK$1,703/mo
Today · 4.125%
HK$65,970
baseline
▲ 0.50% · 4.625%
HK$69,447
+HK$3,477/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,940/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,013 · Scale 2, in force from 26 Feb 2026)