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$31,175
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$985/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,682
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,612
−HK$943/mo
Today · 4.125%
HK$36,555
baseline
▲ 0.50% · 4.625%
HK$38,482
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,110/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,410
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,183/mo
Today · 4.125%
HK$39,756
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,512/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,618
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,734
−HK$1,132/mo
Today · 4.125%
HK$43,866
baseline
▲ 0.50% · 4.625%
HK$46,179
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,732/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,645
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,380/mo
Today · 4.125%
HK$46,382
baseline
▲ 0.50% · 4.625%
HK$49,204
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,764/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,554
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,856
−HK$1,322/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$53,875
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,115
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,860
−HK$1,774/mo
Today · 4.125%
HK$59,634
baseline
▲ 0.50% · 4.625%
HK$63,262
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,268/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,427
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,101
−HK$1,699/mo
Today · 4.125%
HK$65,800
baseline
▲ 0.50% · 4.625%
HK$69,268
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,600/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,686 · Scale 2, in force from 26 Feb 2026)