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$31,155
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$984/mo
Today · 4.125%
HK$33,108
baseline
▲ 0.50% · 4.625%
HK$35,123
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,216/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,659
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,589
−HK$943/mo
Today · 4.125%
HK$36,532
baseline
▲ 0.50% · 4.625%
HK$38,457
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,064/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,386
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,181/mo
Today · 4.125%
HK$39,730
baseline
▲ 0.50% · 4.625%
HK$42,148
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,460/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,591
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,707
−HK$1,131/mo
Today · 4.125%
HK$43,838
baseline
▲ 0.50% · 4.625%
HK$46,149
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,676/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,617
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,379/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$49,172
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,824
−HK$1,321/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$53,840
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,078
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,823
−HK$1,772/mo
Today · 4.125%
HK$59,595
baseline
▲ 0.50% · 4.625%
HK$63,221
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,190/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,387
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,060
−HK$1,697/mo
Today · 4.125%
HK$65,757
baseline
▲ 0.50% · 4.625%
HK$69,223
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,514/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,356 · Scale 2, in force from 26 Feb 2026)