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$31,140
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$984/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$35,106
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,643
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$942/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,439
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,368
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,530
−HK$1,181/mo
Today · 4.125%
HK$39,711
baseline
▲ 0.50% · 4.625%
HK$42,127
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,422/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,571
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,686
−HK$1,131/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,127
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,596
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,952
−HK$1,377/mo
Today · 4.125%
HK$46,329
baseline
▲ 0.50% · 4.625%
HK$49,148
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,658/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,500
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,800
−HK$1,320/mo
Today · 4.125%
HK$51,120
baseline
▲ 0.50% · 4.625%
HK$53,815
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,240/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,051
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,795
−HK$1,771/mo
Today · 4.125%
HK$59,566
baseline
▲ 0.50% · 4.625%
HK$63,191
+HK$3,625/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,132/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,357
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,029
−HK$1,697/mo
Today · 4.125%
HK$65,726
baseline
▲ 0.50% · 4.625%
HK$69,190
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,452/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,109 · Scale 2, in force from 26 Feb 2026)