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$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$986/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$944/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$513,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,184/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,656
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,773
−HK$1,133/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$513,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,684
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,043
−HK$1,381/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,824/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,598
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,322/mo
Today · 4.125%
HK$51,224
baseline
▲ 0.50% · 4.625%
HK$53,924
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,448/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,149 · 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$63,319
+HK$3,632/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$513,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,159
−HK$1,700/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,472/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,149 · Scale 2, in force from 26 Feb 2026)