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$31,249
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,221
−HK$988/mo
Today · 4.125%
HK$33,209
baseline
▲ 0.50% · 4.625%
HK$35,229
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,418/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,697
−HK$945/mo
Today · 4.125%
HK$36,642
baseline
▲ 0.50% · 4.625%
HK$38,574
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,284/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,499
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,185/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,717
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,836
−HK$1,135/mo
Today · 4.125%
HK$43,971
baseline
▲ 0.50% · 4.625%
HK$46,289
+HK$2,318/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,942/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,749
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,109
−HK$1,383/mo
Today · 4.125%
HK$46,492
baseline
▲ 0.50% · 4.625%
HK$49,321
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,984/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,670
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,975
−HK$1,324/mo
Today · 4.125%
HK$51,299
baseline
▲ 0.50% · 4.625%
HK$54,003
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,598/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,248
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,998
−HK$1,777/mo
Today · 4.125%
HK$59,775
baseline
▲ 0.50% · 4.625%
HK$63,413
+HK$3,638/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,550/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,576
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,254
−HK$1,702/mo
Today · 4.125%
HK$65,956
baseline
▲ 0.50% · 4.625%
HK$69,433
+HK$3,477/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,912/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,906 · Scale 2, in force from 26 Feb 2026)