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$31,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,103
−HK$983/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,565
−HK$943/mo
Today · 4.125%
HK$36,508
baseline
▲ 0.50% · 4.625%
HK$38,432
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,016/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,181/mo
Today · 4.125%
HK$39,704
baseline
▲ 0.50% · 4.625%
HK$42,120
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,408/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,564
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,678
−HK$1,131/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,118
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,588
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,377/mo
Today · 4.125%
HK$46,321
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,642/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,491
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,320/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$53,805
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,041
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,785
−HK$1,771/mo
Today · 4.125%
HK$59,556
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,623/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,112/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,345
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,018
−HK$1,696/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,178
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,017 · Scale 2, in force from 26 Feb 2026)