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$31,180
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,150
−HK$986/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,688
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,618
−HK$944/mo
Today · 4.125%
HK$36,562
baseline
▲ 0.50% · 4.625%
HK$38,489
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,124/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,417
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,580
−HK$1,183/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$42,182
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,626
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,742
−HK$1,132/mo
Today · 4.125%
HK$43,874
baseline
▲ 0.50% · 4.625%
HK$46,187
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,748/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,653
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,010
−HK$1,380/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$49,213
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,563
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,321/mo
Today · 4.125%
HK$51,187
baseline
▲ 0.50% · 4.625%
HK$53,885
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,374/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,125
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,871
−HK$1,773/mo
Today · 4.125%
HK$59,644
baseline
▲ 0.50% · 4.625%
HK$63,274
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,288/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,438
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,113
−HK$1,699/mo
Today · 4.125%
HK$65,812
baseline
▲ 0.50% · 4.625%
HK$69,281
+HK$3,469/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,624/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,779 · Scale 2, in force from 26 Feb 2026)