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$31,152
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$985/mo
Today · 4.125%
HK$33,106
baseline
▲ 0.50% · 4.625%
HK$35,120
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,212/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,657
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,586
−HK$943/mo
Today · 4.125%
HK$36,529
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,058/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,181/mo
Today · 4.125%
HK$39,727
baseline
▲ 0.50% · 4.625%
HK$42,144
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,454/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,132/mo
Today · 4.125%
HK$43,835
baseline
▲ 0.50% · 4.625%
HK$46,146
+HK$2,311/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,670/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,613
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,378/mo
Today · 4.125%
HK$46,348
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,696/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,821
−HK$1,320/mo
Today · 4.125%
HK$51,141
baseline
▲ 0.50% · 4.625%
HK$53,836
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,282/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,074
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,772/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$63,217
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,382
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,055
−HK$1,697/mo
Today · 4.125%
HK$65,752
baseline
▲ 0.50% · 4.625%
HK$69,218
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,504/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,318 · Scale 2, in force from 26 Feb 2026)