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$31,133
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,101
−HK$984/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$35,098
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,635
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$942/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,430
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,359
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,521
−HK$1,181/mo
Today · 4.125%
HK$39,702
baseline
▲ 0.50% · 4.625%
HK$42,118
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,404/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,562
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,677
−HK$1,130/mo
Today · 4.125%
HK$43,807
baseline
▲ 0.50% · 4.625%
HK$46,116
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,614/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,586
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,942
−HK$1,377/mo
Today · 4.125%
HK$46,319
baseline
▲ 0.50% · 4.625%
HK$49,137
+HK$2,818/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,638/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,489
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,789
−HK$1,320/mo
Today · 4.125%
HK$51,109
baseline
▲ 0.50% · 4.625%
HK$53,803
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,218/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,039
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,782
−HK$1,771/mo
Today · 4.125%
HK$59,553
baseline
▲ 0.50% · 4.625%
HK$63,177
+HK$3,624/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,106/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,343
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,015
−HK$1,696/mo
Today · 4.125%
HK$65,711
baseline
▲ 0.50% · 4.625%
HK$69,175
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,422/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,995 · Scale 2, in force from 26 Feb 2026)