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$31,200
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$986/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$944/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,513
+HK$1,929/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,440
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,604
−HK$1,183/mo
Today · 4.125%
HK$39,787
baseline
▲ 0.50% · 4.625%
HK$42,208
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,574/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,651
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,768
−HK$1,133/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,215
+HK$2,314/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,679
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,038
−HK$1,381/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$49,243
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,838/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,593
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,896
−HK$1,322/mo
Today · 4.125%
HK$51,218
baseline
▲ 0.50% · 4.625%
HK$53,918
+HK$2,700/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,436/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,159
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,906
−HK$1,775/mo
Today · 4.125%
HK$59,681
baseline
▲ 0.50% · 4.625%
HK$63,312
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,362/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,152
−HK$1,700/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,323
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,094 · Scale 2, in force from 26 Feb 2026)