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$31,099
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$983/mo
Today · 4.125%
HK$33,049
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,098/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,597
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,525
−HK$941/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,180/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$42,072
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,516
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,630
−HK$1,129/mo
Today · 4.125%
HK$43,759
baseline
▲ 0.50% · 4.625%
HK$46,066
+HK$2,307/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$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,538
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,892
−HK$1,376/mo
Today · 4.125%
HK$46,268
baseline
▲ 0.50% · 4.625%
HK$49,084
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,536/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,436
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,735
−HK$1,318/mo
Today · 4.125%
HK$51,053
baseline
▲ 0.50% · 4.625%
HK$53,744
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,106/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,978
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,719
−HK$1,769/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$63,108
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,275
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,945
−HK$1,694/mo
Today · 4.125%
HK$65,639
baseline
▲ 0.50% · 4.625%
HK$69,099
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,278/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,435 · Scale 2, in force from 26 Feb 2026)