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$31,177
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$986/mo
Today · 4.125%
HK$33,132
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$2,016/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$66,264/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,684
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$944/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$1,927/mo
Deposit HK$6.84M · loan HK$6.84M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,412
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,576
−HK$1,182/mo
Today · 4.125%
HK$39,758
baseline
▲ 0.50% · 4.625%
HK$42,177
+HK$2,419/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$79,516/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,621
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,132/mo
Today · 4.125%
HK$43,869
baseline
▲ 0.50% · 4.625%
HK$46,182
+HK$2,313/mo
Deposit HK$5.47M · loan HK$8.20M · min. income ≈ HK$87,738/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,647
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,005
−HK$1,379/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$49,207
+HK$2,823/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$92,768/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,321/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$53,878
+HK$2,697/mo
Deposit HK$4.10M · loan HK$9.57M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,118
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,773/mo
Today · 4.125%
HK$59,637
baseline
▲ 0.50% · 4.625%
HK$63,266
+HK$3,629/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$119,274/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,431
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,105
−HK$1,699/mo
Today · 4.125%
HK$65,804
baseline
▲ 0.50% · 4.625%
HK$69,272
+HK$3,468/mo
Deposit HK$1.37M · loan HK$12.31M · min. income ≈ HK$131,608/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$512,718 · Scale 2, in force from 26 Feb 2026)