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$31,097
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$983/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$35,058
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,595
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$941/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,316
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,179/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$42,069
+HK$2,413/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,514
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,627
−HK$1,130/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,063
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,536
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,890
−HK$1,376/mo
Today · 4.125%
HK$46,266
baseline
▲ 0.50% · 4.625%
HK$49,081
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,532/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,433
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,732
−HK$1,318/mo
Today · 4.125%
HK$51,050
baseline
▲ 0.50% · 4.625%
HK$53,740
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,100/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,974
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,715
−HK$1,769/mo
Today · 4.125%
HK$59,484
baseline
▲ 0.50% · 4.625%
HK$63,104
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,968/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,271
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,941
−HK$1,694/mo
Today · 4.125%
HK$65,635
baseline
▲ 0.50% · 4.625%
HK$69,095
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,270/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,404 · Scale 2, in force from 26 Feb 2026)