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$31,164
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$985/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$943/mo
Today · 4.125%
HK$36,543
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$1,927/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,086/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,561
−HK$1,182/mo
Today · 4.125%
HK$39,743
baseline
▲ 0.50% · 4.625%
HK$42,161
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,486/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,604
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,720
−HK$1,132/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,630
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,379/mo
Today · 4.125%
HK$46,366
baseline
▲ 0.50% · 4.625%
HK$49,188
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,732/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,538
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,840
−HK$1,321/mo
Today · 4.125%
HK$51,161
baseline
▲ 0.50% · 4.625%
HK$53,857
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,322/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,096
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,773/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$63,241
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,406
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,080
−HK$1,698/mo
Today · 4.125%
HK$65,778
baseline
▲ 0.50% · 4.625%
HK$69,245
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,556/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,517 · Scale 2, in force from 26 Feb 2026)