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$31,193
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,163
−HK$986/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$35,166
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,632
−HK$944/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,504
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,183/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$42,199
+HK$2,420/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,642
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,759
−HK$1,133/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,205
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,670
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,028
−HK$1,380/mo
Today · 4.125%
HK$46,408
baseline
▲ 0.50% · 4.625%
HK$49,232
+HK$2,824/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$92,816/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,582
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,885
−HK$1,322/mo
Today · 4.125%
HK$51,207
baseline
▲ 0.50% · 4.625%
HK$53,906
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.58M · min. income ≈ HK$102,414/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,147
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,893
−HK$1,775/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$63,299
+HK$3,631/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,463
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,138
−HK$1,700/mo
Today · 4.125%
HK$65,838
baseline
▲ 0.50% · 4.625%
HK$69,308
+HK$3,470/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,676/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,982 · Scale 2, in force from 26 Feb 2026)