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$31,150
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,119
−HK$984/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,583
−HK$943/mo
Today · 4.125%
HK$36,526
baseline
▲ 0.50% · 4.625%
HK$38,452
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,052/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,543
−HK$1,181/mo
Today · 4.125%
HK$39,724
baseline
▲ 0.50% · 4.625%
HK$42,141
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,448/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,585
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,700
−HK$1,132/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,142
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,967
−HK$1,378/mo
Today · 4.125%
HK$46,345
baseline
▲ 0.50% · 4.625%
HK$49,165
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,690/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,516
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,817
−HK$1,320/mo
Today · 4.125%
HK$51,137
baseline
▲ 0.50% · 4.625%
HK$53,832
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,274/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,070
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,814
−HK$1,772/mo
Today · 4.125%
HK$59,586
baseline
▲ 0.50% · 4.625%
HK$63,212
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,172/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,377
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,050
−HK$1,697/mo
Today · 4.125%
HK$65,747
baseline
▲ 0.50% · 4.625%
HK$69,213
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,494/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,279 · Scale 2, in force from 26 Feb 2026)