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$31,136
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$984/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$35,102
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,568
−HK$942/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,526
−HK$1,180/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,566
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,681
−HK$1,131/mo
Today · 4.125%
HK$43,812
baseline
▲ 0.50% · 4.625%
HK$46,121
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,624/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,591
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,947
−HK$1,377/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$49,143
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,795
−HK$1,319/mo
Today · 4.125%
HK$51,114
baseline
▲ 0.50% · 4.625%
HK$53,808
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,228/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,045
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,788
−HK$1,772/mo
Today · 4.125%
HK$59,560
baseline
▲ 0.50% · 4.625%
HK$63,184
+HK$3,624/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,120/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,350
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,022
−HK$1,696/mo
Today · 4.125%
HK$65,718
baseline
▲ 0.50% · 4.625%
HK$69,182
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,436/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,051 · Scale 2, in force from 26 Feb 2026)