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$31,115
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$983/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$942/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,408
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,338
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,499
−HK$1,180/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$42,094
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,538
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,652
−HK$1,130/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,090
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,561
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,916
−HK$1,376/mo
Today · 4.125%
HK$46,292
baseline
▲ 0.50% · 4.625%
HK$49,109
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,584/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,461
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,761
−HK$1,318/mo
Today · 4.125%
HK$51,079
baseline
▲ 0.50% · 4.625%
HK$53,772
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,158/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,007
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,770/mo
Today · 4.125%
HK$59,519
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,038/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,307
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,978
−HK$1,695/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,701 · Scale 2, in force from 26 Feb 2026)