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$31,144
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$984/mo
Today · 4.125%
HK$33,097
baseline
▲ 0.50% · 4.625%
HK$35,111
+HK$2,014/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,194/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,647
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,577
−HK$942/mo
Today · 4.125%
HK$36,519
baseline
▲ 0.50% · 4.625%
HK$38,444
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,038/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,373
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,181/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$42,133
+HK$2,417/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,577
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,692
−HK$1,131/mo
Today · 4.125%
HK$43,823
baseline
▲ 0.50% · 4.625%
HK$46,133
+HK$2,310/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,646/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,601
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,958
−HK$1,378/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$49,155
+HK$2,819/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,506
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,807
−HK$1,320/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$53,822
+HK$2,695/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,771/mo
Today · 4.125%
HK$59,574
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,625/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,148/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,365
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,038
−HK$1,697/mo
Today · 4.125%
HK$65,735
baseline
▲ 0.50% · 4.625%
HK$69,199
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,470/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,178 · Scale 2, in force from 26 Feb 2026)