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$31,149
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$985/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$35,116
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,204/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,652
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,582
−HK$943/mo
Today · 4.125%
HK$36,525
baseline
▲ 0.50% · 4.625%
HK$38,450
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,050/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,181/mo
Today · 4.125%
HK$39,722
baseline
▲ 0.50% · 4.625%
HK$42,139
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,444/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,583
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,698
−HK$1,132/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,140
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,964
−HK$1,379/mo
Today · 4.125%
HK$46,343
baseline
▲ 0.50% · 4.625%
HK$49,162
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,686/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,513
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,815
−HK$1,319/mo
Today · 4.125%
HK$51,134
baseline
▲ 0.50% · 4.625%
HK$53,830
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,268/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,067
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,811
−HK$1,772/mo
Today · 4.125%
HK$59,583
baseline
▲ 0.50% · 4.625%
HK$63,209
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,166/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,374
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,047
−HK$1,697/mo
Today · 4.125%
HK$65,744
baseline
▲ 0.50% · 4.625%
HK$69,210
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,488/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,255 · Scale 2, in force from 26 Feb 2026)