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$31,079
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,046
−HK$982/mo
Today · 4.125%
HK$33,028
baseline
▲ 0.50% · 4.625%
HK$35,038
+HK$2,010/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,056/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,575
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,503
−HK$940/mo
Today · 4.125%
HK$36,443
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,886/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,295
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,455
−HK$1,179/mo
Today · 4.125%
HK$39,634
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,268/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,129/mo
Today · 4.125%
HK$43,732
baseline
▲ 0.50% · 4.625%
HK$46,037
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,464/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,511
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,864
−HK$1,375/mo
Today · 4.125%
HK$46,239
baseline
▲ 0.50% · 4.625%
HK$49,053
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,478/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,405
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,704
−HK$1,317/mo
Today · 4.125%
HK$51,021
baseline
▲ 0.50% · 4.625%
HK$53,710
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,042/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,943
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,683
−HK$1,768/mo
Today · 4.125%
HK$59,451
baseline
▲ 0.50% · 4.625%
HK$63,068
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,902/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,236
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,905
−HK$1,693/mo
Today · 4.125%
HK$65,598
baseline
▲ 0.50% · 4.625%
HK$69,056
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,196/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,115 · Scale 2, in force from 26 Feb 2026)