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$31,077
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,043
−HK$982/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$35,035
+HK$2,010/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,572
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,500
−HK$940/mo
Today · 4.125%
HK$36,440
baseline
▲ 0.50% · 4.625%
HK$38,361
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,880/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,292
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,452
−HK$1,178/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$42,042
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,487
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,600
−HK$1,128/mo
Today · 4.125%
HK$43,728
baseline
▲ 0.50% · 4.625%
HK$46,033
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,456/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,507
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,861
−HK$1,375/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$49,049
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,472/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,401
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,700
−HK$1,316/mo
Today · 4.125%
HK$51,016
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,032/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,678
−HK$1,768/mo
Today · 4.125%
HK$59,446
baseline
▲ 0.50% · 4.625%
HK$63,063
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,892/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,230
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,899
−HK$1,694/mo
Today · 4.125%
HK$65,593
baseline
▲ 0.50% · 4.625%
HK$69,050
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,186/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,072 · Scale 2, in force from 26 Feb 2026)