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$31,179
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,149
−HK$985/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$35,150
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,617
−HK$943/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,488
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,579
−HK$1,182/mo
Today · 4.125%
HK$39,761
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,522/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,624
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,740
−HK$1,133/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,185
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,009
−HK$1,379/mo
Today · 4.125%
HK$46,388
baseline
▲ 0.50% · 4.625%
HK$49,211
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,776/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,561
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,863
−HK$1,322/mo
Today · 4.125%
HK$51,185
baseline
▲ 0.50% · 4.625%
HK$53,883
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,370/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,122
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,868
−HK$1,774/mo
Today · 4.125%
HK$59,642
baseline
▲ 0.50% · 4.625%
HK$63,271
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,284/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,436
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,110
−HK$1,699/mo
Today · 4.125%
HK$65,809
baseline
▲ 0.50% · 4.625%
HK$69,278
+HK$3,469/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,618/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,757 · Scale 2, in force from 26 Feb 2026)