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$31,234
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,205
−HK$988/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$2,019/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,747
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$946/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,555
+HK$1,930/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,647
−HK$1,184/mo
Today · 4.125%
HK$39,831
baseline
▲ 0.50% · 4.625%
HK$42,255
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,662/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,697
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,815
−HK$1,135/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,266
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,727
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,088
−HK$1,382/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$49,297
+HK$2,827/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,646
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,951
−HK$1,324/mo
Today · 4.125%
HK$51,275
baseline
▲ 0.50% · 4.625%
HK$53,977
+HK$2,702/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,550/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,221
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,970
−HK$1,777/mo
Today · 4.125%
HK$59,747
baseline
▲ 0.50% · 4.625%
HK$63,382
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,494/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,545
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,223
−HK$1,701/mo
Today · 4.125%
HK$65,924
baseline
▲ 0.50% · 4.625%
HK$69,399
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,848/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,658 · Scale 2, in force from 26 Feb 2026)