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$31,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,102
−HK$984/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$35,099
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,565
−HK$942/mo
Today · 4.125%
HK$36,507
baseline
▲ 0.50% · 4.625%
HK$38,432
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,014/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,180/mo
Today · 4.125%
HK$39,703
baseline
▲ 0.50% · 4.625%
HK$42,119
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,406/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,563
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,678
−HK$1,131/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,118
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,587
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,943
−HK$1,377/mo
Today · 4.125%
HK$46,320
baseline
▲ 0.50% · 4.625%
HK$49,139
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,640/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,490
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,319/mo
Today · 4.125%
HK$51,110
baseline
▲ 0.50% · 4.625%
HK$53,804
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,220/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,041
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,784
−HK$1,771/mo
Today · 4.125%
HK$59,555
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,624/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,110/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,345
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,017
−HK$1,696/mo
Today · 4.125%
HK$65,713
baseline
▲ 0.50% · 4.625%
HK$69,177
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,426/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,010 · Scale 2, in force from 26 Feb 2026)