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$31,215
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,186
−HK$987/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,346/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,727
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,658
−HK$945/mo
Today · 4.125%
HK$36,603
baseline
▲ 0.50% · 4.625%
HK$38,532
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,206/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,458
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,623
−HK$1,184/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$42,229
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,672
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,790
−HK$1,133/mo
Today · 4.125%
HK$43,923
baseline
▲ 0.50% · 4.625%
HK$46,239
+HK$2,316/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,846/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,701
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,061
−HK$1,381/mo
Today · 4.125%
HK$46,442
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,884/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,617
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,921
−HK$1,323/mo
Today · 4.125%
HK$51,244
baseline
▲ 0.50% · 4.625%
HK$53,945
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,488/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,187
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,935
−HK$1,776/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$63,344
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,508
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,184
−HK$1,701/mo
Today · 4.125%
HK$65,885
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,770/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,352 · Scale 2, in force from 26 Feb 2026)