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$31,085
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$983/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,581
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,509
−HK$941/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,371
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,301
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,462
−HK$1,179/mo
Today · 4.125%
HK$39,641
baseline
▲ 0.50% · 4.625%
HK$42,053
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,282/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,498
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,610
−HK$1,129/mo
Today · 4.125%
HK$43,739
baseline
▲ 0.50% · 4.625%
HK$46,045
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,478/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,518
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,872
−HK$1,375/mo
Today · 4.125%
HK$46,247
baseline
▲ 0.50% · 4.625%
HK$49,061
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,494/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,414
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,712
−HK$1,317/mo
Today · 4.125%
HK$51,029
baseline
▲ 0.50% · 4.625%
HK$53,719
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,058/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,952
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,693
−HK$1,768/mo
Today · 4.125%
HK$59,461
baseline
▲ 0.50% · 4.625%
HK$63,079
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,922/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,246
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,916
−HK$1,693/mo
Today · 4.125%
HK$65,609
baseline
▲ 0.50% · 4.625%
HK$69,068
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,218/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,202 · Scale 2, in force from 26 Feb 2026)