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$31,173
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$985/mo
Today · 4.125%
HK$33,128
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$2,015/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,256/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,680
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$943/mo
Today · 4.125%
HK$36,553
baseline
▲ 0.50% · 4.625%
HK$38,480
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,106/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,571
−HK$1,182/mo
Today · 4.125%
HK$39,753
baseline
▲ 0.50% · 4.625%
HK$42,172
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,506/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,615
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,132/mo
Today · 4.125%
HK$43,864
baseline
▲ 0.50% · 4.625%
HK$46,176
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,728/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,642
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,000
−HK$1,379/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$49,201
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,551
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,853
−HK$1,321/mo
Today · 4.125%
HK$51,174
baseline
▲ 0.50% · 4.625%
HK$53,872
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,348/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,111
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,857
−HK$1,773/mo
Today · 4.125%
HK$59,630
baseline
▲ 0.50% · 4.625%
HK$63,258
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,260/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,423
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,097
−HK$1,699/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,264
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,655 · Scale 2, in force from 26 Feb 2026)