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$31,240
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,212
−HK$987/mo
Today · 4.125%
HK$33,199
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,398/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,754
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,687
−HK$945/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,563
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,488
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,185/mo
Today · 4.125%
HK$39,839
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,678/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,824
−HK$1,135/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,276
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,736
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,097
−HK$1,382/mo
Today · 4.125%
HK$46,479
baseline
▲ 0.50% · 4.625%
HK$49,307
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,958/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,656
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,961
−HK$1,324/mo
Today · 4.125%
HK$51,285
baseline
▲ 0.50% · 4.625%
HK$53,988
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,570/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,232
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,982
−HK$1,777/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$63,395
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,558
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,236
−HK$1,702/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,414
+HK$3,476/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,763 · Scale 2, in force from 26 Feb 2026)