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$31,174
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$985/mo
Today · 4.125%
HK$33,128
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,256/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,680
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$944/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,481
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,408
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,572
−HK$1,182/mo
Today · 4.125%
HK$39,754
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,508/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,133/mo
Today · 4.125%
HK$43,865
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,730/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,643
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,379/mo
Today · 4.125%
HK$46,380
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,760/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,321/mo
Today · 4.125%
HK$51,176
baseline
▲ 0.50% · 4.625%
HK$53,873
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,352/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,112
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,858
−HK$1,773/mo
Today · 4.125%
HK$59,631
baseline
▲ 0.50% · 4.625%
HK$63,260
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,262/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,424
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,099
−HK$1,698/mo
Today · 4.125%
HK$65,797
baseline
▲ 0.50% · 4.625%
HK$69,265
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,594/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,666 · Scale 2, in force from 26 Feb 2026)