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$31,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$984/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,655
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$943/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,453
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,054/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,381
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,181/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$42,142
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,132/mo
Today · 4.125%
HK$43,833
baseline
▲ 0.50% · 4.625%
HK$46,143
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,666/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,611
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,378/mo
Today · 4.125%
HK$46,346
baseline
▲ 0.50% · 4.625%
HK$49,166
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,692/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,517
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,818
−HK$1,320/mo
Today · 4.125%
HK$51,138
baseline
▲ 0.50% · 4.625%
HK$53,834
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,276/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,071
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,815
−HK$1,772/mo
Today · 4.125%
HK$59,587
baseline
▲ 0.50% · 4.625%
HK$63,213
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,174/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,379
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,052
−HK$1,697/mo
Today · 4.125%
HK$65,749
baseline
▲ 0.50% · 4.625%
HK$69,215
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,498/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,290 · Scale 2, in force from 26 Feb 2026)