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$31,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$985/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$35,136
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,673
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$943/mo
Today · 4.125%
HK$36,546
baseline
▲ 0.50% · 4.625%
HK$38,472
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,092/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,400
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,563
−HK$1,182/mo
Today · 4.125%
HK$39,745
baseline
▲ 0.50% · 4.625%
HK$42,164
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,490/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,607
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,723
−HK$1,132/mo
Today · 4.125%
HK$43,855
baseline
▲ 0.50% · 4.625%
HK$46,167
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,710/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,633
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,379/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$49,191
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,542
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,844
−HK$1,320/mo
Today · 4.125%
HK$51,164
baseline
▲ 0.50% · 4.625%
HK$53,861
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,328/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,100
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,845
−HK$1,773/mo
Today · 4.125%
HK$59,618
baseline
▲ 0.50% · 4.625%
HK$63,246
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,236/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,411
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,085
−HK$1,698/mo
Today · 4.125%
HK$65,783
baseline
▲ 0.50% · 4.625%
HK$69,250
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,566/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,553 · Scale 2, in force from 26 Feb 2026)