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$31,222
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$987/mo
Today · 4.125%
HK$33,180
baseline
▲ 0.50% · 4.625%
HK$35,199
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,360/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,734
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,666
−HK$945/mo
Today · 4.125%
HK$36,611
baseline
▲ 0.50% · 4.625%
HK$38,540
+HK$1,929/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,222/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,184/mo
Today · 4.125%
HK$39,816
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,632/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,799
−HK$1,134/mo
Today · 4.125%
HK$43,933
baseline
▲ 0.50% · 4.625%
HK$46,248
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,866/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,382/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$49,278
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,932
−HK$1,323/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,199
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,948
−HK$1,776/mo
Today · 4.125%
HK$59,724
baseline
▲ 0.50% · 4.625%
HK$63,358
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,448/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,521
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,701/mo
Today · 4.125%
HK$65,899
baseline
▲ 0.50% · 4.625%
HK$69,373
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,798/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,461 · Scale 2, in force from 26 Feb 2026)