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$31,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,103
−HK$984/mo
Today · 4.125%
HK$33,087
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,174/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,637
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$942/mo
Today · 4.125%
HK$36,508
baseline
▲ 0.50% · 4.625%
HK$38,433
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,016/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,362
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,524
−HK$1,181/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$42,120
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,564
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,131/mo
Today · 4.125%
HK$43,810
baseline
▲ 0.50% · 4.625%
HK$46,119
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,620/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,589
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,378/mo
Today · 4.125%
HK$46,322
baseline
▲ 0.50% · 4.625%
HK$49,141
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,644/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,492
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,320/mo
Today · 4.125%
HK$51,112
baseline
▲ 0.50% · 4.625%
HK$53,806
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,224/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,042
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,786
−HK$1,771/mo
Today · 4.125%
HK$59,557
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,624/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,114/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,347
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,019
−HK$1,696/mo
Today · 4.125%
HK$65,715
baseline
▲ 0.50% · 4.625%
HK$69,179
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,430/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,027 · Scale 2, in force from 26 Feb 2026)