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$32,175
−HK$986/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$35,179
+HK$2,018/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$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$945/mo
Today · 4.125%
HK$36,590
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,180/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,183/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$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,134/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,222
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,816/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,686
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,380/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$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,600
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,903
−HK$1,323/mo
Today · 4.125%
HK$51,226
baseline
▲ 0.50% · 4.625%
HK$53,926
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,452/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,167
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,914
−HK$1,776/mo
Today · 4.125%
HK$59,690
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,380/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,486
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,161
−HK$1,701/mo
Today · 4.125%
HK$65,862
baseline
▲ 0.50% · 4.625%
HK$69,333
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,724/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,168 · Scale 2, in force from 26 Feb 2026)