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$513,355 · 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$513,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,459
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,624
−HK$1,184/mo
Today · 4.125%
HK$39,808
baseline
▲ 0.50% · 4.625%
HK$42,230
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,616/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,672
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,790
−HK$1,134/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,239
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,848/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,702
−HK$2,740/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$513,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,618
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,922
−HK$1,322/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$513,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,188
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,936
−HK$1,775/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,634/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$513,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,508
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,185
−HK$1,701/mo
Today · 4.125%
HK$65,886
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,472/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,772/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,355 · Scale 2, in force from 26 Feb 2026)