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$31,260
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,233
−HK$988/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$35,242
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,777
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,709
−HK$947/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,588
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,512
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,679
−HK$1,186/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$42,290
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,851
−HK$1,136/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,305
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.23M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,764
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,126
−HK$1,383/mo
Today · 4.125%
HK$46,509
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,018/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,993
−HK$1,325/mo
Today · 4.125%
HK$51,318
baseline
▲ 0.50% · 4.625%
HK$54,023
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,636/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,019
−HK$1,778/mo
Today · 4.125%
HK$59,797
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,639/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,594/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,598
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,277
−HK$1,703/mo
Today · 4.125%
HK$65,980
baseline
▲ 0.50% · 4.625%
HK$69,458
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,960/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,093 · Scale 2, in force from 26 Feb 2026)