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$31,147
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,116
−HK$984/mo
Today · 4.125%
HK$33,100
baseline
▲ 0.50% · 4.625%
HK$35,114
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,200/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,651
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,580
−HK$943/mo
Today · 4.125%
HK$36,523
baseline
▲ 0.50% · 4.625%
HK$38,448
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,046/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,376
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,539
−HK$1,181/mo
Today · 4.125%
HK$39,720
baseline
▲ 0.50% · 4.625%
HK$42,137
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$79,440/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,581
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,696
−HK$1,131/mo
Today · 4.125%
HK$43,827
baseline
▲ 0.50% · 4.625%
HK$46,138
+HK$2,311/mo
Deposit HK$5.46M · loan HK$8.20M · min. income ≈ HK$87,654/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,962
−HK$1,378/mo
Today · 4.125%
HK$46,340
baseline
▲ 0.50% · 4.625%
HK$49,160
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,680/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,511
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,812
−HK$1,320/mo
Today · 4.125%
HK$51,132
baseline
▲ 0.50% · 4.625%
HK$53,827
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,264/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,065
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,808
−HK$1,772/mo
Today · 4.125%
HK$59,580
baseline
▲ 0.50% · 4.625%
HK$63,206
+HK$3,626/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,160/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,371
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,697/mo
Today · 4.125%
HK$65,741
baseline
▲ 0.50% · 4.625%
HK$69,206
+HK$3,465/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,482/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,229 · Scale 2, in force from 26 Feb 2026)