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$31,167
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$985/mo
Today · 4.125%
HK$33,122
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,244/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,673
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$944/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,182/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$42,165
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,608
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,132/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,168
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,634
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,379/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$49,192
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,543
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,844
−HK$1,321/mo
Today · 4.125%
HK$51,165
baseline
▲ 0.50% · 4.625%
HK$53,862
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,330/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,101
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,846
−HK$1,773/mo
Today · 4.125%
HK$59,619
baseline
▲ 0.50% · 4.625%
HK$63,247
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,238/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,412
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,698/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,251
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,563 · Scale 2, in force from 26 Feb 2026)