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$31,191
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,161
−HK$986/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,699
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,630
−HK$944/mo
Today · 4.125%
HK$36,574
baseline
▲ 0.50% · 4.625%
HK$38,502
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,148/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,183/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$42,196
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,133/mo
Today · 4.125%
HK$43,889
baseline
▲ 0.50% · 4.625%
HK$46,202
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,778/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,667
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,025
−HK$1,380/mo
Today · 4.125%
HK$46,405
baseline
▲ 0.50% · 4.625%
HK$49,229
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,810/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,579
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,882
−HK$1,322/mo
Today · 4.125%
HK$51,204
baseline
▲ 0.50% · 4.625%
HK$53,903
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,408/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,890
−HK$1,774/mo
Today · 4.125%
HK$59,664
baseline
▲ 0.50% · 4.625%
HK$63,295
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,328/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,459
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,134
−HK$1,700/mo
Today · 4.125%
HK$65,834
baseline
▲ 0.50% · 4.625%
HK$69,304
+HK$3,470/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,668/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,950 · Scale 2, in force from 26 Feb 2026)