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$31,203
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$986/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$945/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,176/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,183/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$42,212
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,655
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,134/mo
Today · 4.125%
HK$43,906
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,812/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,684
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,381/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,598
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,901
−HK$1,322/mo
Today · 4.125%
HK$51,223
baseline
▲ 0.50% · 4.625%
HK$53,923
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,446/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,165
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,912
−HK$1,775/mo
Today · 4.125%
HK$59,687
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,374/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,700/mo
Today · 4.125%
HK$65,858
baseline
▲ 0.50% · 4.625%
HK$69,330
+HK$3,472/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,716/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,143 · Scale 2, in force from 26 Feb 2026)