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$31,117
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,085
−HK$983/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$35,080
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$942/mo
Today · 4.125%
HK$36,487
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,974/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,340
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,501
−HK$1,180/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$42,096
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,540
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,131/mo
Today · 4.125%
HK$43,785
baseline
▲ 0.50% · 4.625%
HK$46,093
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,570/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,918
−HK$1,377/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$49,112
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,464
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,319/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$53,775
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,010
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,752
−HK$1,770/mo
Today · 4.125%
HK$59,522
baseline
▲ 0.50% · 4.625%
HK$63,144
+HK$3,622/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,044/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,310
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,982
−HK$1,695/mo
Today · 4.125%
HK$65,677
baseline
▲ 0.50% · 4.625%
HK$69,139
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,354/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,729 · Scale 2, in force from 26 Feb 2026)