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$31,227
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$987/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,739
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$945/mo
Today · 4.125%
HK$36,616
baseline
▲ 0.50% · 4.625%
HK$38,546
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,232/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,472
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,185/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,687
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,805
−HK$1,134/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,255
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,717
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,077
−HK$1,382/mo
Today · 4.125%
HK$46,459
baseline
▲ 0.50% · 4.625%
HK$49,286
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,918/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,635
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,939
−HK$1,324/mo
Today · 4.125%
HK$51,263
baseline
▲ 0.50% · 4.625%
HK$53,965
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,526/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,208
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,777/mo
Today · 4.125%
HK$59,733
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,466/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,531
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,208
−HK$1,701/mo
Today · 4.125%
HK$65,909
baseline
▲ 0.50% · 4.625%
HK$69,383
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,818/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,537 · Scale 2, in force from 26 Feb 2026)