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$31,177
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$985/mo
Today · 4.125%
HK$33,132
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,264/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,684
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,615
−HK$943/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,413
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,576
−HK$1,183/mo
Today · 4.125%
HK$39,759
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,518/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,621
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,133/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,182
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,006
−HK$1,379/mo
Today · 4.125%
HK$46,385
baseline
▲ 0.50% · 4.625%
HK$49,208
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,770/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,558
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,322/mo
Today · 4.125%
HK$51,182
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,364/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,119
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,865
−HK$1,773/mo
Today · 4.125%
HK$59,638
baseline
▲ 0.50% · 4.625%
HK$63,267
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,276/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,432
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,106
−HK$1,699/mo
Today · 4.125%
HK$65,805
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,610/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,726 · Scale 2, in force from 26 Feb 2026)