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$31,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$986/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$35,153
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,689
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,620
−HK$943/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,491
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,418
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,182/mo
Today · 4.125%
HK$39,764
baseline
▲ 0.50% · 4.625%
HK$42,184
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,528/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,627
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,133/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,189
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,654
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,012
−HK$1,380/mo
Today · 4.125%
HK$46,392
baseline
▲ 0.50% · 4.625%
HK$49,215
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,784/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,565
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,867
−HK$1,322/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$53,887
+HK$2,698/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,127
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,873
−HK$1,773/mo
Today · 4.125%
HK$59,646
baseline
▲ 0.50% · 4.625%
HK$63,276
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,292/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,441
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,115
−HK$1,699/mo
Today · 4.125%
HK$65,814
baseline
▲ 0.50% · 4.625%
HK$69,283
+HK$3,469/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,628/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,798 · Scale 2, in force from 26 Feb 2026)