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$31,189
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,159
−HK$986/mo
Today · 4.125%
HK$33,145
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,290/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,628
−HK$944/mo
Today · 4.125%
HK$36,572
baseline
▲ 0.50% · 4.625%
HK$38,500
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,144/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,427
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,591
−HK$1,183/mo
Today · 4.125%
HK$39,774
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,548/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,637
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,753
−HK$1,133/mo
Today · 4.125%
HK$43,886
baseline
▲ 0.50% · 4.625%
HK$46,199
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,772/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,664
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,023
−HK$1,379/mo
Today · 4.125%
HK$46,402
baseline
▲ 0.50% · 4.625%
HK$49,226
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,804/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,576
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,879
−HK$1,322/mo
Today · 4.125%
HK$51,201
baseline
▲ 0.50% · 4.625%
HK$53,899
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,402/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,140
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,886
−HK$1,774/mo
Today · 4.125%
HK$59,660
baseline
▲ 0.50% · 4.625%
HK$63,290
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,320/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,455
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,130
−HK$1,699/mo
Today · 4.125%
HK$65,829
baseline
▲ 0.50% · 4.625%
HK$69,299
+HK$3,470/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,658/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,916 · Scale 2, in force from 26 Feb 2026)