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$31,198
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$986/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$945/mo
Today · 4.125%
HK$36,583
baseline
▲ 0.50% · 4.625%
HK$38,511
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,166/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,438
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,602
−HK$1,183/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$42,206
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,649
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,766
−HK$1,133/mo
Today · 4.125%
HK$43,899
baseline
▲ 0.50% · 4.625%
HK$46,213
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,798/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,677
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,036
−HK$1,380/mo
Today · 4.125%
HK$46,416
baseline
▲ 0.50% · 4.625%
HK$49,240
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,832/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,590
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,894
−HK$1,322/mo
Today · 4.125%
HK$51,216
baseline
▲ 0.50% · 4.625%
HK$53,915
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,432/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,156
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,903
−HK$1,775/mo
Today · 4.125%
HK$59,678
baseline
▲ 0.50% · 4.625%
HK$63,309
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,356/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,473
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,149
−HK$1,700/mo
Today · 4.125%
HK$65,849
baseline
▲ 0.50% · 4.625%
HK$69,320
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,698/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,067 · Scale 2, in force from 26 Feb 2026)