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$31,098
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,065
−HK$983/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$35,059
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,596
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$941/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,180/mo
Today · 4.125%
HK$39,658
baseline
▲ 0.50% · 4.625%
HK$42,071
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,316/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,516
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,629
−HK$1,130/mo
Today · 4.125%
HK$43,759
baseline
▲ 0.50% · 4.625%
HK$46,065
+HK$2,306/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,518/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,892
−HK$1,375/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$49,083
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,435
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,734
−HK$1,318/mo
Today · 4.125%
HK$51,052
baseline
▲ 0.50% · 4.625%
HK$53,743
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,104/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,977
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,769/mo
Today · 4.125%
HK$59,487
baseline
▲ 0.50% · 4.625%
HK$63,106
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,974/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,273
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,943
−HK$1,695/mo
Today · 4.125%
HK$65,638
baseline
▲ 0.50% · 4.625%
HK$69,098
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,276/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,425 · Scale 2, in force from 26 Feb 2026)