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$1,954/mo
▼ 0.25% · 3.875%
HK$32,140
−HK$985/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$2,016/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,607
−HK$943/mo
Today · 4.125%
HK$36,550
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$1,927/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,100/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,568
−HK$1,182/mo
Today · 4.125%
HK$39,750
baseline
▲ 0.50% · 4.625%
HK$42,169
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,500/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,612
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,728
−HK$1,133/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,172
+HK$2,311/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$512,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,639
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,996
−HK$1,379/mo
Today · 4.125%
HK$46,375
baseline
▲ 0.50% · 4.625%
HK$49,197
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,750/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,617 · 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$512,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,107
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,852
−HK$1,773/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,419
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,093
−HK$1,698/mo
Today · 4.125%
HK$65,791
baseline
▲ 0.50% · 4.625%
HK$69,259
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,582/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,617 · Scale 2, in force from 26 Feb 2026)