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$1,957/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$986/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$35,180
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,715
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$945/mo
Today · 4.125%
HK$36,591
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,182/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,446
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,611
−HK$1,183/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$42,216
+HK$2,422/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$513,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,133/mo
Today · 4.125%
HK$43,909
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,818/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,046
−HK$1,381/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,824/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,322/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$513,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,169
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,916
−HK$1,775/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$513,182 · 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$69,335
+HK$3,472/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$513,182 · Scale 2, in force from 26 Feb 2026)