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$31,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$982/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$940/mo
Today · 4.125%
HK$36,437
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,874/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,289
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,178/mo
Today · 4.125%
HK$39,627
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,254/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,129/mo
Today · 4.125%
HK$43,725
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,450/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,504
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,375/mo
Today · 4.125%
HK$46,232
baseline
▲ 0.50% · 4.625%
HK$49,045
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,464/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,317/mo
Today · 4.125%
HK$51,012
baseline
▲ 0.50% · 4.625%
HK$53,701
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,024/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,933
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,673
−HK$1,768/mo
Today · 4.125%
HK$59,441
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,616/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,882/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,225
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,894
−HK$1,693/mo
Today · 4.125%
HK$65,587
baseline
▲ 0.50% · 4.625%
HK$69,044
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,174/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,028 · Scale 2, in force from 26 Feb 2026)