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$31,082
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,049
−HK$982/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,579
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$941/mo
Today · 4.125%
HK$36,447
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,894/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,178/mo
Today · 4.125%
HK$39,637
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,274/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,494
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,607
−HK$1,129/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,041
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,515
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,869
−HK$1,375/mo
Today · 4.125%
HK$46,244
baseline
▲ 0.50% · 4.625%
HK$49,058
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,488/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,410
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,317/mo
Today · 4.125%
HK$51,025
baseline
▲ 0.50% · 4.625%
HK$53,715
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,050/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,948
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,688
−HK$1,768/mo
Today · 4.125%
HK$59,456
baseline
▲ 0.50% · 4.625%
HK$63,074
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,912/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,241
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,911
−HK$1,693/mo
Today · 4.125%
HK$65,604
baseline
▲ 0.50% · 4.625%
HK$69,062
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,208/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,162 · Scale 2, in force from 26 Feb 2026)