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$31,214
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$987/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$35,190
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,725
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,657
−HK$945/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,531
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,457
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,622
−HK$1,184/mo
Today · 4.125%
HK$39,806
baseline
▲ 0.50% · 4.625%
HK$42,228
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,612/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,671
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,134/mo
Today · 4.125%
HK$43,922
baseline
▲ 0.50% · 4.625%
HK$46,237
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,844/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,700
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,059
−HK$1,381/mo
Today · 4.125%
HK$46,440
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,880/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,616
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,323/mo
Today · 4.125%
HK$51,242
baseline
▲ 0.50% · 4.625%
HK$53,943
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,484/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,185
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,933
−HK$1,776/mo
Today · 4.125%
HK$59,709
baseline
▲ 0.50% · 4.625%
HK$63,342
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,418/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,506
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,701/mo
Today · 4.125%
HK$65,883
baseline
▲ 0.50% · 4.625%
HK$69,356
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,766/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,334 · Scale 2, in force from 26 Feb 2026)