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$31,195
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$986/mo
Today · 4.125%
HK$33,151
baseline
▲ 0.50% · 4.625%
HK$35,168
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,302/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,704
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,634
−HK$945/mo
Today · 4.125%
HK$36,579
baseline
▲ 0.50% · 4.625%
HK$38,507
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,158/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,183/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,644
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,761
−HK$1,133/mo
Today · 4.125%
HK$43,894
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,788/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,673
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,031
−HK$1,380/mo
Today · 4.125%
HK$46,411
baseline
▲ 0.50% · 4.625%
HK$49,235
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,822/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,585
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,888
−HK$1,322/mo
Today · 4.125%
HK$51,210
baseline
▲ 0.50% · 4.625%
HK$53,909
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,420/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,150
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,897
−HK$1,774/mo
Today · 4.125%
HK$59,671
baseline
▲ 0.50% · 4.625%
HK$63,302
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,342/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,467
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,142
−HK$1,700/mo
Today · 4.125%
HK$65,842
baseline
▲ 0.50% · 4.625%
HK$69,312
+HK$3,470/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,684/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,013 · Scale 2, in force from 26 Feb 2026)