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$31,172
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,142
−HK$985/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,679
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,609
−HK$943/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,479
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,570
−HK$1,182/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$42,171
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,614
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,731
−HK$1,132/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,726/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,641
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,999
−HK$1,379/mo
Today · 4.125%
HK$46,378
baseline
▲ 0.50% · 4.625%
HK$49,200
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,756/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,550
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,852
−HK$1,321/mo
Today · 4.125%
HK$51,173
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,346/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,110
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,855
−HK$1,773/mo
Today · 4.125%
HK$59,628
baseline
▲ 0.50% · 4.625%
HK$63,257
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,256/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,422
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,698/mo
Today · 4.125%
HK$65,794
baseline
▲ 0.50% · 4.625%
HK$69,262
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,588/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,643 · Scale 2, in force from 26 Feb 2026)