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$31,075
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$982/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$941/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,360
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,290
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,179/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,485
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,129/mo
Today · 4.125%
HK$43,727
baseline
▲ 0.50% · 4.625%
HK$46,031
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,454/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,375/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$49,047
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,317/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$53,703
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,936
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,767/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$63,060
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,228
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,897
−HK$1,693/mo
Today · 4.125%
HK$65,590
baseline
▲ 0.50% · 4.625%
HK$69,047
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,180/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,051 · Scale 2, in force from 26 Feb 2026)