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$31,186
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$985/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$2,017/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,624
−HK$944/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$1,928/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,423
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,183/mo
Today · 4.125%
HK$39,770
baseline
▲ 0.50% · 4.625%
HK$42,189
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$79,540/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,133/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,195
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.21M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,660
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,380/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,571
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,321/mo
Today · 4.125%
HK$51,195
baseline
▲ 0.50% · 4.625%
HK$53,894
+HK$2,699/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,390/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,134
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,880
−HK$1,774/mo
Today · 4.125%
HK$59,654
baseline
▲ 0.50% · 4.625%
HK$63,284
+HK$3,630/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,308/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,449
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,124
−HK$1,699/mo
Today · 4.125%
HK$65,823
baseline
▲ 0.50% · 4.625%
HK$69,292
+HK$3,469/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,646/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,865 · Scale 2, in force from 26 Feb 2026)