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$31,127
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,095
−HK$984/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$35,092
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,628
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,557
−HK$942/mo
Today · 4.125%
HK$36,499
baseline
▲ 0.50% · 4.625%
HK$38,423
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$72,998/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,181/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,130/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,108
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,578
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,933
−HK$1,378/mo
Today · 4.125%
HK$46,311
baseline
▲ 0.50% · 4.625%
HK$49,128
+HK$2,817/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,622/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,480
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,319/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$53,793
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,029
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,771/mo
Today · 4.125%
HK$59,542
baseline
▲ 0.50% · 4.625%
HK$63,165
+HK$3,623/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,084/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,003
−HK$1,696/mo
Today · 4.125%
HK$65,699
baseline
▲ 0.50% · 4.625%
HK$69,162
+HK$3,463/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,398/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,900 · Scale 2, in force from 26 Feb 2026)