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$31,216
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$986/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$2,019/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$513,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,727
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,659
−HK$945/mo
Today · 4.125%
HK$36,604
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,208/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,362 · 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$513,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,790
−HK$1,134/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,316/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$513,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,702
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,381/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,826/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,618
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,922
−HK$1,323/mo
Today · 4.125%
HK$51,245
baseline
▲ 0.50% · 4.625%
HK$53,946
+HK$2,701/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,490/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,189
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,936
−HK$1,776/mo
Today · 4.125%
HK$59,712
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,633/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,424/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,509
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,186
−HK$1,700/mo
Today · 4.125%
HK$65,886
baseline
▲ 0.50% · 4.625%
HK$69,359
+HK$3,473/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$513,362 · Scale 2, in force from 26 Feb 2026)