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$31,123
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$984/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$2,013/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$942/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$1,924/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,510
−HK$1,180/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$42,105
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,549
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,664
−HK$1,130/mo
Today · 4.125%
HK$43,794
baseline
▲ 0.50% · 4.625%
HK$46,102
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,588/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,573
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,377/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$49,123
+HK$2,818/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,474
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,774
−HK$1,319/mo
Today · 4.125%
HK$51,093
baseline
▲ 0.50% · 4.625%
HK$53,786
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,186/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,764
−HK$1,771/mo
Today · 4.125%
HK$59,535
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,623/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,070/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,324
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,995
−HK$1,696/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,463/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,839 · Scale 2, in force from 26 Feb 2026)