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$31,171
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$985/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,607
−HK$944/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,182/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$42,169
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,729
−HK$1,132/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,639
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,997
−HK$1,379/mo
Today · 4.125%
HK$46,376
baseline
▲ 0.50% · 4.625%
HK$49,198
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,752/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,548
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,850
−HK$1,321/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$53,868
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,108
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,853
−HK$1,773/mo
Today · 4.125%
HK$59,626
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,252/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,419
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,093
−HK$1,699/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,259
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,622 · Scale 2, in force from 26 Feb 2026)