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$31,169
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$985/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,676
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$943/mo
Today · 4.125%
HK$36,549
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$1,927/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,098/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,403
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,567
−HK$1,182/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$42,167
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,132/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,637
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,994
−HK$1,380/mo
Today · 4.125%
HK$46,374
baseline
▲ 0.50% · 4.625%
HK$49,195
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,748/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,546
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,848
−HK$1,321/mo
Today · 4.125%
HK$51,169
baseline
▲ 0.50% · 4.625%
HK$53,866
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,338/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,105
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,850
−HK$1,773/mo
Today · 4.125%
HK$59,623
baseline
▲ 0.50% · 4.625%
HK$63,251
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,246/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,416
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,090
−HK$1,698/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,256
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,597 · Scale 2, in force from 26 Feb 2026)