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$31,242
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$988/mo
Today · 4.125%
HK$33,201
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,402/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,756
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,688
−HK$946/mo
Today · 4.125%
HK$36,634
baseline
▲ 0.50% · 4.625%
HK$38,565
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,268/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,656
−HK$1,185/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,707
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,826
−HK$1,134/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,278
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,738
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,099
−HK$1,382/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,963
−HK$1,324/mo
Today · 4.125%
HK$51,287
baseline
▲ 0.50% · 4.625%
HK$53,991
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,574/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,235
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,984
−HK$1,777/mo
Today · 4.125%
HK$59,761
baseline
▲ 0.50% · 4.625%
HK$63,397
+HK$3,636/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,522/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,561
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,238
−HK$1,703/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,416
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,784 · Scale 2, in force from 26 Feb 2026)