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$31,153
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$985/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$35,121
+HK$2,014/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$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,657
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,587
−HK$943/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,384
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,182/mo
Today · 4.125%
HK$39,728
baseline
▲ 0.50% · 4.625%
HK$42,145
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,456/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,589
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,704
−HK$1,132/mo
Today · 4.125%
HK$43,836
baseline
▲ 0.50% · 4.625%
HK$46,146
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,672/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,378/mo
Today · 4.125%
HK$46,349
baseline
▲ 0.50% · 4.625%
HK$49,169
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,698/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,520
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,822
−HK$1,320/mo
Today · 4.125%
HK$51,142
baseline
▲ 0.50% · 4.625%
HK$53,837
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,284/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,820
−HK$1,772/mo
Today · 4.125%
HK$59,592
baseline
▲ 0.50% · 4.625%
HK$63,218
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,184/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,383
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,698/mo
Today · 4.125%
HK$65,754
baseline
▲ 0.50% · 4.625%
HK$69,220
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,508/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,327 · Scale 2, in force from 26 Feb 2026)