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$31,091
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$983/mo
Today · 4.125%
HK$33,041
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,082/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,588
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$941/mo
Today · 4.125%
HK$36,457
baseline
▲ 0.50% · 4.625%
HK$38,379
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,914/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,179/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,129/mo
Today · 4.125%
HK$43,748
baseline
▲ 0.50% · 4.625%
HK$46,054
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,496/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,527
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,376/mo
Today · 4.125%
HK$46,257
baseline
▲ 0.50% · 4.625%
HK$49,071
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,514/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,424
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,722
−HK$1,318/mo
Today · 4.125%
HK$51,040
baseline
▲ 0.50% · 4.625%
HK$53,730
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,080/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,964
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,704
−HK$1,769/mo
Today · 4.125%
HK$59,473
baseline
▲ 0.50% · 4.625%
HK$63,092
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,946/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,259
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,929
−HK$1,694/mo
Today · 4.125%
HK$65,623
baseline
▲ 0.50% · 4.625%
HK$69,082
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,246/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,307 · Scale 2, in force from 26 Feb 2026)