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$31,185
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,155
−HK$985/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$35,157
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,693
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$944/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,182/mo
Today · 4.125%
HK$39,768
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,536/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,132/mo
Today · 4.125%
HK$43,880
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,760/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,659
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,379/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,570
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,322/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,132
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,878
−HK$1,774/mo
Today · 4.125%
HK$59,652
baseline
▲ 0.50% · 4.625%
HK$63,282
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,304/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,447
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,122
−HK$1,699/mo
Today · 4.125%
HK$65,821
baseline
▲ 0.50% · 4.625%
HK$69,290
+HK$3,469/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,642/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,849 · Scale 2, in force from 26 Feb 2026)