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$31,164
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,133
−HK$985/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,669
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$943/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,396
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,559
−HK$1,182/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$42,159
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,603
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,719
−HK$1,132/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,162
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,986
−HK$1,379/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$49,186
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,537
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,838
−HK$1,321/mo
Today · 4.125%
HK$51,159
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,318/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,094
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,839
−HK$1,773/mo
Today · 4.125%
HK$59,612
baseline
▲ 0.50% · 4.625%
HK$63,239
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,224/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,404
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,078
−HK$1,698/mo
Today · 4.125%
HK$65,776
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,552/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,501 · Scale 2, in force from 26 Feb 2026)