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$31,208
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,179
−HK$986/mo
Today · 4.125%
HK$33,165
baseline
▲ 0.50% · 4.625%
HK$35,183
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,330/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,719
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,650
−HK$944/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,523
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,614
−HK$1,184/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,422/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,133/mo
Today · 4.125%
HK$43,913
baseline
▲ 0.50% · 4.625%
HK$46,228
+HK$2,315/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,826/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,691
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,381/mo
Today · 4.125%
HK$46,431
baseline
▲ 0.50% · 4.625%
HK$49,256
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,862/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,606
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,322/mo
Today · 4.125%
HK$51,232
baseline
▲ 0.50% · 4.625%
HK$53,932
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,464/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,174
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,922
−HK$1,775/mo
Today · 4.125%
HK$59,697
baseline
▲ 0.50% · 4.625%
HK$63,329
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,394/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,493
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,169
−HK$1,701/mo
Today · 4.125%
HK$65,870
baseline
▲ 0.50% · 4.625%
HK$69,342
+HK$3,472/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,740/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,231 · Scale 2, in force from 26 Feb 2026)