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$31,202
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$986/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,018/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$945/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,176/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,183/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$42,212
+HK$2,421/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,655
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,133/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,315/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,683
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,381/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$49,247
+HK$2,824/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,597
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,901
−HK$1,322/mo
Today · 4.125%
HK$51,223
baseline
▲ 0.50% · 4.625%
HK$53,923
+HK$2,700/mo
Deposit HK$4.11M · loan HK$9.58M · min. income ≈ HK$102,446/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,164
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,911
−HK$1,775/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,632/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,482
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,700/mo
Today · 4.125%
HK$65,858
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,471/mo
Deposit HK$1.37M · loan HK$12.32M · min. income ≈ HK$131,716/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,141 · Scale 2, in force from 26 Feb 2026)