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$31,142
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$984/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,645
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$943/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,181/mo
Today · 4.125%
HK$39,714
baseline
▲ 0.50% · 4.625%
HK$42,130
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,428/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,574
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,689
−HK$1,131/mo
Today · 4.125%
HK$43,820
baseline
▲ 0.50% · 4.625%
HK$46,130
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,640/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,378/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$49,152
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,503
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,804
−HK$1,320/mo
Today · 4.125%
HK$51,124
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,248/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,056
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,772/mo
Today · 4.125%
HK$59,571
baseline
▲ 0.50% · 4.625%
HK$63,196
+HK$3,625/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,142/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,361
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,034
−HK$1,696/mo
Today · 4.125%
HK$65,730
baseline
▲ 0.50% · 4.625%
HK$69,195
+HK$3,465/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,460/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,147 · Scale 2, in force from 26 Feb 2026)