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$31,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$983/mo
Today · 4.125%
HK$33,060
baseline
▲ 0.50% · 4.625%
HK$35,072
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,120/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,609
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,537
−HK$942/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,402
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,180/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,531
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,644
−HK$1,130/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,082
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,553
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,376/mo
Today · 4.125%
HK$46,284
baseline
▲ 0.50% · 4.625%
HK$49,101
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,568/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,452
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,752
−HK$1,318/mo
Today · 4.125%
HK$51,070
baseline
▲ 0.50% · 4.625%
HK$53,762
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,140/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,997
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,739
−HK$1,769/mo
Today · 4.125%
HK$59,508
baseline
▲ 0.50% · 4.625%
HK$63,129
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,016/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,296
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,967
−HK$1,695/mo
Today · 4.125%
HK$65,662
baseline
▲ 0.50% · 4.625%
HK$69,123
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,324/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,610 · Scale 2, in force from 26 Feb 2026)