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$31,201
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$986/mo
Today · 4.125%
HK$33,158
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,316/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$944/mo
Today · 4.125%
HK$36,586
baseline
▲ 0.50% · 4.625%
HK$38,515
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,172/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,442
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,183/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,422/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,578/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,770
−HK$1,134/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,218
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,041
−HK$1,380/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$49,246
+HK$2,825/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,596
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,322/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$53,921
+HK$2,700/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,162
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,909
−HK$1,775/mo
Today · 4.125%
HK$59,684
baseline
▲ 0.50% · 4.625%
HK$63,316
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,368/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,480
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,156
−HK$1,700/mo
Today · 4.125%
HK$65,856
baseline
▲ 0.50% · 4.625%
HK$69,327
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,712/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,122 · Scale 2, in force from 26 Feb 2026)