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$31,176
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$985/mo
Today · 4.125%
HK$33,131
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,262/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,683
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,613
−HK$944/mo
Today · 4.125%
HK$36,557
baseline
▲ 0.50% · 4.625%
HK$38,484
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,114/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,411
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,182/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$42,176
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,619
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,736
−HK$1,132/mo
Today · 4.125%
HK$43,868
baseline
▲ 0.50% · 4.625%
HK$46,180
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,736/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,646
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,379/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$49,206
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,556
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,858
−HK$1,321/mo
Today · 4.125%
HK$51,179
baseline
▲ 0.50% · 4.625%
HK$53,877
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,358/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,117
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,862
−HK$1,774/mo
Today · 4.125%
HK$59,636
baseline
▲ 0.50% · 4.625%
HK$63,264
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,272/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,429
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,103
−HK$1,699/mo
Today · 4.125%
HK$65,802
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,604/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,704 · Scale 2, in force from 26 Feb 2026)