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$31,172
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$985/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,678
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$944/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$1,926/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,570
−HK$1,182/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$42,170
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,614
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,132/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,174
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,998
−HK$1,379/mo
Today · 4.125%
HK$46,377
baseline
▲ 0.50% · 4.625%
HK$49,199
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,754/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,549
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,321/mo
Today · 4.125%
HK$51,172
baseline
▲ 0.50% · 4.625%
HK$53,870
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,344/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,109
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,854
−HK$1,773/mo
Today · 4.125%
HK$59,627
baseline
▲ 0.50% · 4.625%
HK$63,256
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,254/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,421
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,095
−HK$1,698/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,634 · Scale 2, in force from 26 Feb 2026)