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$31,204
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$987/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$944/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,184/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$42,214
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,133/mo
Today · 4.125%
HK$43,907
baseline
▲ 0.50% · 4.625%
HK$46,222
+HK$2,315/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,814/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,685
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,044
−HK$1,381/mo
Today · 4.125%
HK$46,425
baseline
▲ 0.50% · 4.625%
HK$49,250
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,850/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,903
−HK$1,322/mo
Today · 4.125%
HK$51,225
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,450/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,167
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,914
−HK$1,775/mo
Today · 4.125%
HK$59,689
baseline
▲ 0.50% · 4.625%
HK$63,321
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,378/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,485
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,161
−HK$1,700/mo
Today · 4.125%
HK$65,861
baseline
▲ 0.50% · 4.625%
HK$69,332
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,722/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,162 · Scale 2, in force from 26 Feb 2026)