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$31,179
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$986/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$35,150
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$944/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,487
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,182/mo
Today · 4.125%
HK$39,760
baseline
▲ 0.50% · 4.625%
HK$42,180
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,520/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,623
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,739
−HK$1,133/mo
Today · 4.125%
HK$43,872
baseline
▲ 0.50% · 4.625%
HK$46,184
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,744/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,650
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,379/mo
Today · 4.125%
HK$46,387
baseline
▲ 0.50% · 4.625%
HK$49,210
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,774/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,560
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,863
−HK$1,321/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,121
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,774/mo
Today · 4.125%
HK$59,641
baseline
▲ 0.50% · 4.625%
HK$63,270
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,282/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,435
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,109
−HK$1,699/mo
Today · 4.125%
HK$65,808
baseline
▲ 0.50% · 4.625%
HK$69,276
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,616/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,748 · Scale 2, in force from 26 Feb 2026)