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$31,210
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,181
−HK$986/mo
Today · 4.125%
HK$33,167
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,334/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,721
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$944/mo
Today · 4.125%
HK$36,596
baseline
▲ 0.50% · 4.625%
HK$38,525
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,192/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,452
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,183/mo
Today · 4.125%
HK$39,800
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,422/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,600/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,782
−HK$1,134/mo
Today · 4.125%
HK$43,916
baseline
▲ 0.50% · 4.625%
HK$46,230
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,832/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,053
−HK$1,381/mo
Today · 4.125%
HK$46,434
baseline
▲ 0.50% · 4.625%
HK$49,259
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,868/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,609
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,912
−HK$1,323/mo
Today · 4.125%
HK$51,235
baseline
▲ 0.50% · 4.625%
HK$53,936
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,470/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,178
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,775/mo
Today · 4.125%
HK$59,700
baseline
▲ 0.50% · 4.625%
HK$63,333
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,400/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,497
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,700/mo
Today · 4.125%
HK$65,873
baseline
▲ 0.50% · 4.625%
HK$69,346
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,746/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,261 · Scale 2, in force from 26 Feb 2026)