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$31,159
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$984/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,664
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,594
−HK$943/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,463
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,391
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,554
−HK$1,182/mo
Today · 4.125%
HK$39,736
baseline
▲ 0.50% · 4.625%
HK$42,154
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,472/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,597
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,713
−HK$1,132/mo
Today · 4.125%
HK$43,845
baseline
▲ 0.50% · 4.625%
HK$46,156
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,690/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,623
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,980
−HK$1,379/mo
Today · 4.125%
HK$46,359
baseline
▲ 0.50% · 4.625%
HK$49,179
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,718/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,530
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,832
−HK$1,320/mo
Today · 4.125%
HK$51,152
baseline
▲ 0.50% · 4.625%
HK$53,848
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,304/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,087
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,831
−HK$1,773/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$63,231
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,396
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,698/mo
Today · 4.125%
HK$65,767
baseline
▲ 0.50% · 4.625%
HK$69,234
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,534/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,432 · Scale 2, in force from 26 Feb 2026)