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$31,202
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$986/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$944/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,442
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,183/mo
Today · 4.125%
HK$39,790
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,580/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,654
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,771
−HK$1,134/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,219
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,683
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,380/mo
Today · 4.125%
HK$46,422
baseline
▲ 0.50% · 4.625%
HK$49,247
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,844/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,597
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,900
−HK$1,322/mo
Today · 4.125%
HK$51,222
baseline
▲ 0.50% · 4.625%
HK$53,922
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,444/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,164
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,911
−HK$1,775/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$63,317
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,481
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,157
−HK$1,700/mo
Today · 4.125%
HK$65,857
baseline
▲ 0.50% · 4.625%
HK$69,328
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,714/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,133 · Scale 2, in force from 26 Feb 2026)