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$31,168
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,138
−HK$985/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,674
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$944/mo
Today · 4.125%
HK$36,548
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,096/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,402
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,565
−HK$1,182/mo
Today · 4.125%
HK$39,747
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,494/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,609
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,725
−HK$1,132/mo
Today · 4.125%
HK$43,857
baseline
▲ 0.50% · 4.625%
HK$46,169
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,714/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,993
−HK$1,379/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$49,193
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,846
−HK$1,321/mo
Today · 4.125%
HK$51,167
baseline
▲ 0.50% · 4.625%
HK$53,864
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,334/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,103
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,848
−HK$1,773/mo
Today · 4.125%
HK$59,621
baseline
▲ 0.50% · 4.625%
HK$63,249
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,242/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,414
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,088
−HK$1,698/mo
Today · 4.125%
HK$65,786
baseline
▲ 0.50% · 4.625%
HK$69,253
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,572/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,577 · Scale 2, in force from 26 Feb 2026)