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$31,154
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$984/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,658
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$943/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,384
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,547
−HK$1,182/mo
Today · 4.125%
HK$39,729
baseline
▲ 0.50% · 4.625%
HK$42,146
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,458/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,590
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,705
−HK$1,132/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,147
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,615
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,972
−HK$1,378/mo
Today · 4.125%
HK$46,350
baseline
▲ 0.50% · 4.625%
HK$49,171
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,700/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,521
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,320/mo
Today · 4.125%
HK$51,143
baseline
▲ 0.50% · 4.625%
HK$53,839
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,286/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,077
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,821
−HK$1,772/mo
Today · 4.125%
HK$59,593
baseline
▲ 0.50% · 4.625%
HK$63,219
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,186/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,385
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,058
−HK$1,697/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,221
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,339 · Scale 2, in force from 26 Feb 2026)