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$31,163
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,132
−HK$985/mo
Today · 4.125%
HK$33,117
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,234/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,669
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,598
−HK$944/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$512,494 · 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$512,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,602
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,718
−HK$1,132/mo
Today · 4.125%
HK$43,850
baseline
▲ 0.50% · 4.625%
HK$46,161
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,700/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,628
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,985
−HK$1,379/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,838
−HK$1,320/mo
Today · 4.125%
HK$51,158
baseline
▲ 0.50% · 4.625%
HK$53,855
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,316/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,094
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,838
−HK$1,773/mo
Today · 4.125%
HK$59,611
baseline
▲ 0.50% · 4.625%
HK$63,238
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,222/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,404
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,077
−HK$1,698/mo
Today · 4.125%
HK$65,775
baseline
▲ 0.50% · 4.625%
HK$69,242
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,550/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,494 · Scale 2, in force from 26 Feb 2026)