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$31,206
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$986/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$35,180
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$945/mo
Today · 4.125%
HK$36,592
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,184/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,447
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,612
−HK$1,183/mo
Today · 4.125%
HK$39,795
baseline
▲ 0.50% · 4.625%
HK$42,216
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,590/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,659
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,134/mo
Today · 4.125%
HK$43,910
baseline
▲ 0.50% · 4.625%
HK$46,224
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,820/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,688
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,047
−HK$1,380/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,906
−HK$1,322/mo
Today · 4.125%
HK$51,228
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,456/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,917
−HK$1,775/mo
Today · 4.125%
HK$59,692
baseline
▲ 0.50% · 4.625%
HK$63,325
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,384/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,489
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,165
−HK$1,700/mo
Today · 4.125%
HK$65,865
baseline
▲ 0.50% · 4.625%
HK$69,337
+HK$3,472/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,730/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,193 · Scale 2, in force from 26 Feb 2026)