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$31,157
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$985/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,591
−HK$943/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$1,926/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,388
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,551
−HK$1,182/mo
Today · 4.125%
HK$39,733
baseline
▲ 0.50% · 4.625%
HK$42,150
+HK$2,417/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,466/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,594
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,710
−HK$1,131/mo
Today · 4.125%
HK$43,841
baseline
▲ 0.50% · 4.625%
HK$46,152
+HK$2,311/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,682/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,620
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,976
−HK$1,379/mo
Today · 4.125%
HK$46,355
baseline
▲ 0.50% · 4.625%
HK$49,175
+HK$2,820/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,710/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,526
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,828
−HK$1,320/mo
Today · 4.125%
HK$51,148
baseline
▲ 0.50% · 4.625%
HK$53,844
+HK$2,696/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,296/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,082
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,827
−HK$1,772/mo
Today · 4.125%
HK$59,599
baseline
▲ 0.50% · 4.625%
HK$63,226
+HK$3,627/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$119,198/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,391
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,064
−HK$1,698/mo
Today · 4.125%
HK$65,762
baseline
▲ 0.50% · 4.625%
HK$69,228
+HK$3,466/mo
Deposit HK$1.37M · loan HK$12.30M · min. income ≈ HK$131,524/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,391 · Scale 2, in force from 26 Feb 2026)