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$31,184
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$986/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$944/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,421
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,183/mo
Today · 4.125%
HK$39,768
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,536/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,747
−HK$1,133/mo
Today · 4.125%
HK$43,880
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,760/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,658
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,016
−HK$1,380/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,569
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,321/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,132
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,878
−HK$1,774/mo
Today · 4.125%
HK$59,652
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,304/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,446
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,121
−HK$1,699/mo
Today · 4.125%
HK$65,820
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,469/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,640/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,843 · Scale 2, in force from 26 Feb 2026)