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$31,186
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,157
−HK$985/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$944/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,424
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,588
−HK$1,183/mo
Today · 4.125%
HK$39,771
baseline
▲ 0.50% · 4.625%
HK$42,190
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,542/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,634
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,750
−HK$1,133/mo
Today · 4.125%
HK$43,883
baseline
▲ 0.50% · 4.625%
HK$46,196
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,766/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,661
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,380/mo
Today · 4.125%
HK$46,399
baseline
▲ 0.50% · 4.625%
HK$49,222
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,798/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,572
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,322/mo
Today · 4.125%
HK$51,197
baseline
▲ 0.50% · 4.625%
HK$53,895
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,394/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,136
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,882
−HK$1,774/mo
Today · 4.125%
HK$59,656
baseline
▲ 0.50% · 4.625%
HK$63,286
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,312/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,450
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,125
−HK$1,699/mo
Today · 4.125%
HK$65,824
baseline
▲ 0.50% · 4.625%
HK$69,294
+HK$3,470/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,648/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,878 · Scale 2, in force from 26 Feb 2026)