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$31,194
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$986/mo
Today · 4.125%
HK$33,150
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,300/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,633
−HK$944/mo
Today · 4.125%
HK$36,577
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,154/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,432
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,597
−HK$1,183/mo
Today · 4.125%
HK$39,780
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,560/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,643
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,760
−HK$1,133/mo
Today · 4.125%
HK$43,893
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,786/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,671
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,029
−HK$1,380/mo
Today · 4.125%
HK$46,409
baseline
▲ 0.50% · 4.625%
HK$49,233
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,818/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,583
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,886
−HK$1,322/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$53,908
+HK$2,700/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,148
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,895
−HK$1,774/mo
Today · 4.125%
HK$59,669
baseline
▲ 0.50% · 4.625%
HK$63,300
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,338/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,464
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,140
−HK$1,699/mo
Today · 4.125%
HK$65,839
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,678/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,994 · Scale 2, in force from 26 Feb 2026)