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$31,112
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,079
−HK$984/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$35,074
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,611
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,540
−HK$941/mo
Today · 4.125%
HK$36,481
baseline
▲ 0.50% · 4.625%
HK$38,404
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,962/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,334
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,495
−HK$1,180/mo
Today · 4.125%
HK$39,675
baseline
▲ 0.50% · 4.625%
HK$42,089
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,350/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,534
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,647
−HK$1,131/mo
Today · 4.125%
HK$43,778
baseline
▲ 0.50% · 4.625%
HK$46,085
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,556/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,556
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,911
−HK$1,377/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$49,104
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,456
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,755
−HK$1,319/mo
Today · 4.125%
HK$51,074
baseline
▲ 0.50% · 4.625%
HK$53,766
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,148/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,001
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,743
−HK$1,770/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$63,134
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,300
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,971
−HK$1,695/mo
Today · 4.125%
HK$65,666
baseline
▲ 0.50% · 4.625%
HK$69,128
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,332/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,646 · Scale 2, in force from 26 Feb 2026)