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$31,083
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,050
−HK$983/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,507
−HK$941/mo
Today · 4.125%
HK$36,448
baseline
▲ 0.50% · 4.625%
HK$38,369
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,896/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,179/mo
Today · 4.125%
HK$39,639
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,278/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,129/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,043
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,517
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,870
−HK$1,376/mo
Today · 4.125%
HK$46,246
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,492/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,412
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,710
−HK$1,317/mo
Today · 4.125%
HK$51,027
baseline
▲ 0.50% · 4.625%
HK$53,717
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,054/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,950
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,690
−HK$1,769/mo
Today · 4.125%
HK$59,459
baseline
▲ 0.50% · 4.625%
HK$63,077
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,918/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,244
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,913
−HK$1,694/mo
Today · 4.125%
HK$65,607
baseline
▲ 0.50% · 4.625%
HK$69,065
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,214/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,183 · Scale 2, in force from 26 Feb 2026)