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$31,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,079
−HK$983/mo
Today · 4.125%
HK$33,062
baseline
▲ 0.50% · 4.625%
HK$35,074
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,124/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,611
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,539
−HK$941/mo
Today · 4.125%
HK$36,480
baseline
▲ 0.50% · 4.625%
HK$38,403
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,960/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,494
−HK$1,180/mo
Today · 4.125%
HK$39,674
baseline
▲ 0.50% · 4.625%
HK$42,088
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,348/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,533
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,647
−HK$1,130/mo
Today · 4.125%
HK$43,777
baseline
▲ 0.50% · 4.625%
HK$46,084
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,554/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,555
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,910
−HK$1,377/mo
Today · 4.125%
HK$46,287
baseline
▲ 0.50% · 4.625%
HK$49,103
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,574/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,455
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,754
−HK$1,319/mo
Today · 4.125%
HK$51,073
baseline
▲ 0.50% · 4.625%
HK$53,765
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,146/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,000
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,742
−HK$1,769/mo
Today · 4.125%
HK$59,511
baseline
▲ 0.50% · 4.625%
HK$63,132
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,022/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,299
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,970
−HK$1,695/mo
Today · 4.125%
HK$65,665
baseline
▲ 0.50% · 4.625%
HK$69,126
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,330/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,635 · Scale 2, in force from 26 Feb 2026)