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$31,200
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$986/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,710
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,641
−HK$944/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,440
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,605
−HK$1,183/mo
Today · 4.125%
HK$39,788
baseline
▲ 0.50% · 4.625%
HK$42,209
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,576/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,652
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,769
−HK$1,133/mo
Today · 4.125%
HK$43,902
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,315/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,804/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,680
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,381/mo
Today · 4.125%
HK$46,420
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,840/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,594
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,897
−HK$1,322/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$53,919
+HK$2,700/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,161
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,908
−HK$1,774/mo
Today · 4.125%
HK$59,682
baseline
▲ 0.50% · 4.625%
HK$63,314
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,364/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,478
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,154
−HK$1,700/mo
Today · 4.125%
HK$65,854
baseline
▲ 0.50% · 4.625%
HK$69,325
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,708/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,106 · Scale 2, in force from 26 Feb 2026)