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$31,257
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$988/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$2,021/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,773
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$946/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,584
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,508
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,185/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$42,286
+HK$2,426/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,728
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,847
−HK$1,135/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,300
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,760
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,383/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$49,334
+HK$2,830/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,682
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,324/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,017
+HK$2,705/mo
Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,263
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,013
−HK$1,778/mo
Today · 4.125%
HK$59,791
baseline
▲ 0.50% · 4.625%
HK$63,429
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$119,582/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,592
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,270
−HK$1,703/mo
Today · 4.125%
HK$65,973
baseline
▲ 0.50% · 4.625%
HK$69,451
+HK$3,478/mo
Deposit HK$1.37M · loan HK$12.34M · min. income ≈ HK$131,946/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$514,037 · Scale 2, in force from 26 Feb 2026)