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$31,087
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,054
−HK$982/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,584
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$941/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,374
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,179/mo
Today · 4.125%
HK$39,644
baseline
▲ 0.50% · 4.625%
HK$42,056
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,288/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,501
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,614
−HK$1,129/mo
Today · 4.125%
HK$43,743
baseline
▲ 0.50% · 4.625%
HK$46,048
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,486/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,376/mo
Today · 4.125%
HK$46,251
baseline
▲ 0.50% · 4.625%
HK$49,065
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,502/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,716
−HK$1,317/mo
Today · 4.125%
HK$51,033
baseline
▲ 0.50% · 4.625%
HK$53,723
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,066/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,956
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,697
−HK$1,768/mo
Today · 4.125%
HK$59,465
baseline
▲ 0.50% · 4.625%
HK$63,084
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,930/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,251
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,920
−HK$1,694/mo
Today · 4.125%
HK$65,614
baseline
▲ 0.50% · 4.625%
HK$69,073
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,228/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,240 · Scale 2, in force from 26 Feb 2026)