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$31,141
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$984/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$942/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,369
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,181/mo
Today · 4.125%
HK$39,712
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,424/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,572
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,687
−HK$1,131/mo
Today · 4.125%
HK$43,818
baseline
▲ 0.50% · 4.625%
HK$46,128
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,636/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,597
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,378/mo
Today · 4.125%
HK$46,331
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,662/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,802
−HK$1,319/mo
Today · 4.125%
HK$51,121
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,242/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,053
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,771/mo
Today · 4.125%
HK$59,568
baseline
▲ 0.50% · 4.625%
HK$63,193
+HK$3,625/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,136/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,359
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,697/mo
Today · 4.125%
HK$65,728
baseline
▲ 0.50% · 4.625%
HK$69,192
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,456/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,124 · Scale 2, in force from 26 Feb 2026)