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$31,171
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$985/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,678
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$943/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,182/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$42,170
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,132/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,174
+HK$2,312/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,997
−HK$1,380/mo
Today · 4.125%
HK$46,377
baseline
▲ 0.50% · 4.625%
HK$49,199
+HK$2,822/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,754/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,549
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,321/mo
Today · 4.125%
HK$51,172
baseline
▲ 0.50% · 4.625%
HK$53,869
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,344/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,109
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,854
−HK$1,773/mo
Today · 4.125%
HK$59,627
baseline
▲ 0.50% · 4.625%
HK$63,255
+HK$3,628/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,254/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,420
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,094
−HK$1,699/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,631 · Scale 2, in force from 26 Feb 2026)