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$31,161
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$985/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$2,015/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,666
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,596
−HK$943/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,182/mo
Today · 4.125%
HK$39,738
baseline
▲ 0.50% · 4.625%
HK$42,156
+HK$2,418/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,476/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,715
−HK$1,132/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,158
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,625
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,982
−HK$1,379/mo
Today · 4.125%
HK$46,361
baseline
▲ 0.50% · 4.625%
HK$49,182
+HK$2,821/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,722/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,834
−HK$1,320/mo
Today · 4.125%
HK$51,154
baseline
▲ 0.50% · 4.625%
HK$53,851
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,308/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,089
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,834
−HK$1,773/mo
Today · 4.125%
HK$59,607
baseline
▲ 0.50% · 4.625%
HK$63,234
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,214/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,399
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,072
−HK$1,698/mo
Today · 4.125%
HK$65,770
baseline
▲ 0.50% · 4.625%
HK$69,237
+HK$3,467/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,540/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,455 · Scale 2, in force from 26 Feb 2026)