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$31,213
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$987/mo
Today · 4.125%
HK$33,171
baseline
▲ 0.50% · 4.625%
HK$35,189
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,342/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,725
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$945/mo
Today · 4.125%
HK$36,601
baseline
▲ 0.50% · 4.625%
HK$38,530
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,202/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,456
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,621
−HK$1,184/mo
Today · 4.125%
HK$39,805
baseline
▲ 0.50% · 4.625%
HK$42,227
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,610/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,787
−HK$1,134/mo
Today · 4.125%
HK$43,921
baseline
▲ 0.50% · 4.625%
HK$46,236
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,842/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,699
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,381/mo
Today · 4.125%
HK$46,439
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,878/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,614
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,918
−HK$1,323/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$53,942
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,184
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,932
−HK$1,775/mo
Today · 4.125%
HK$59,707
baseline
▲ 0.50% · 4.625%
HK$63,340
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,414/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,504
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,181
−HK$1,700/mo
Today · 4.125%
HK$65,881
baseline
▲ 0.50% · 4.625%
HK$69,354
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,762/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,321 · Scale 2, in force from 26 Feb 2026)