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$31,205
−HK$1,956/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$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,715
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$944/mo
Today · 4.125%
HK$36,590
baseline
▲ 0.50% · 4.625%
HK$38,519
+HK$1,929/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$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,446
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,184/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,133/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,315/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$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,686
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,381/mo
Today · 4.125%
HK$46,426
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,825/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,852/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,904
−HK$1,323/mo
Today · 4.125%
HK$51,227
baseline
▲ 0.50% · 4.625%
HK$53,927
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,454/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,168
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,915
−HK$1,776/mo
Today · 4.125%
HK$59,691
baseline
▲ 0.50% · 4.625%
HK$63,323
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,382/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,487
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,163
−HK$1,700/mo
Today · 4.125%
HK$65,863
baseline
▲ 0.50% · 4.625%
HK$69,334
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,726/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,177 · Scale 2, in force from 26 Feb 2026)