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$31,156
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,125
−HK$985/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,661
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,590
−HK$943/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,459
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,387
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,550
−HK$1,182/mo
Today · 4.125%
HK$39,732
baseline
▲ 0.50% · 4.625%
HK$42,149
+HK$2,417/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,464/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,593
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,708
−HK$1,132/mo
Today · 4.125%
HK$43,840
baseline
▲ 0.50% · 4.625%
HK$46,151
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,680/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,618
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,975
−HK$1,378/mo
Today · 4.125%
HK$46,353
baseline
▲ 0.50% · 4.625%
HK$49,174
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,706/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,525
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,826
−HK$1,320/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$53,842
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,081
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,825
−HK$1,772/mo
Today · 4.125%
HK$59,597
baseline
▲ 0.50% · 4.625%
HK$63,224
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,194/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,389
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,062
−HK$1,698/mo
Today · 4.125%
HK$65,760
baseline
▲ 0.50% · 4.625%
HK$69,226
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,520/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,375 · Scale 2, in force from 26 Feb 2026)