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$31,188
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$986/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,696
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$944/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,426
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,183/mo
Today · 4.125%
HK$39,773
baseline
▲ 0.50% · 4.625%
HK$42,193
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,546/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,636
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,752
−HK$1,133/mo
Today · 4.125%
HK$43,885
baseline
▲ 0.50% · 4.625%
HK$46,198
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,770/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,663
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,021
−HK$1,380/mo
Today · 4.125%
HK$46,401
baseline
▲ 0.50% · 4.625%
HK$49,225
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,802/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,575
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,878
−HK$1,321/mo
Today · 4.125%
HK$51,199
baseline
▲ 0.50% · 4.625%
HK$53,898
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,398/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,139
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,885
−HK$1,774/mo
Today · 4.125%
HK$59,659
baseline
▲ 0.50% · 4.625%
HK$63,289
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,318/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,454
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,129
−HK$1,699/mo
Today · 4.125%
HK$65,828
baseline
▲ 0.50% · 4.625%
HK$69,298
+HK$3,470/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,656/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,904 · Scale 2, in force from 26 Feb 2026)