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$31,211
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$986/mo
Today · 4.125%
HK$33,168
baseline
▲ 0.50% · 4.625%
HK$35,186
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,336/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,722
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,653
−HK$945/mo
Today · 4.125%
HK$36,598
baseline
▲ 0.50% · 4.625%
HK$38,527
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,196/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,453
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,618
−HK$1,184/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,422/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,666
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,784
−HK$1,133/mo
Today · 4.125%
HK$43,917
baseline
▲ 0.50% · 4.625%
HK$46,232
+HK$2,315/mo
Deposit HK$5.48M · loan HK$8.21M · min. income ≈ HK$87,834/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,695
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,055
−HK$1,381/mo
Today · 4.125%
HK$46,436
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,872/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,611
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,914
−HK$1,323/mo
Today · 4.125%
HK$51,237
baseline
▲ 0.50% · 4.625%
HK$53,938
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,474/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,180
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,927
−HK$1,776/mo
Today · 4.125%
HK$59,703
baseline
▲ 0.50% · 4.625%
HK$63,336
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,406/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,500
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,176
−HK$1,700/mo
Today · 4.125%
HK$65,876
baseline
▲ 0.50% · 4.625%
HK$69,349
+HK$3,473/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,752/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,282 · Scale 2, in force from 26 Feb 2026)