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$31,104
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$983/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$35,066
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,603
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$942/mo
Today · 4.125%
HK$36,473
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,946/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,180/mo
Today · 4.125%
HK$39,666
baseline
▲ 0.50% · 4.625%
HK$42,079
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,332/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,130/mo
Today · 4.125%
HK$43,767
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,534/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,546
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,377/mo
Today · 4.125%
HK$46,277
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,554/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,744
−HK$1,318/mo
Today · 4.125%
HK$51,062
baseline
▲ 0.50% · 4.625%
HK$53,753
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,124/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,988
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,729
−HK$1,769/mo
Today · 4.125%
HK$59,498
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$118,996/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,286
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,956
−HK$1,695/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,111
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,525 · Scale 2, in force from 26 Feb 2026)