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$31,197
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$986/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$35,171
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$944/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,601
−HK$1,184/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$42,205
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,648
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,765
−HK$1,133/mo
Today · 4.125%
HK$43,898
baseline
▲ 0.50% · 4.625%
HK$46,212
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,796/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,676
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,380/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$49,240
+HK$2,825/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,590
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,322/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,155
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,902
−HK$1,775/mo
Today · 4.125%
HK$59,677
baseline
▲ 0.50% · 4.625%
HK$63,308
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,354/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,472
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,148
−HK$1,700/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,319
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,059 · Scale 2, in force from 26 Feb 2026)