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$31,219
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$987/mo
Today · 4.125%
HK$33,177
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,354/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$945/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,628
−HK$1,184/mo
Today · 4.125%
HK$39,812
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,423/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,624/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,134/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,244
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,707
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,066
−HK$1,382/mo
Today · 4.125%
HK$46,448
baseline
▲ 0.50% · 4.625%
HK$49,274
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,896/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,623
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,927
−HK$1,323/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$53,952
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,194
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,942
−HK$1,776/mo
Today · 4.125%
HK$59,718
baseline
▲ 0.50% · 4.625%
HK$63,352
+HK$3,634/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,436/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,516
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,192
−HK$1,701/mo
Today · 4.125%
HK$65,893
baseline
▲ 0.50% · 4.625%
HK$69,367
+HK$3,474/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,786/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,415 · Scale 2, in force from 26 Feb 2026)