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$31,285
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,258
−HK$989/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,804
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$947/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,618
+HK$1,933/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,542
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,186/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$42,324
+HK$2,428/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,137/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,342
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,384/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$49,378
+HK$2,832/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,092/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,726
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,033
−HK$1,326/mo
Today · 4.125%
HK$51,359
baseline
▲ 0.50% · 4.625%
HK$54,066
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,718/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,065
−HK$1,779/mo
Today · 4.125%
HK$59,844
baseline
▲ 0.50% · 4.625%
HK$63,486
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,688/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,648
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,704/mo
Today · 4.125%
HK$66,032
baseline
▲ 0.50% · 4.625%
HK$69,513
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,064/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,500 · Scale 2, in force from 26 Feb 2026)