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$31,129
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,098
−HK$984/mo
Today · 4.125%
HK$33,082
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,164/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,560
−HK$942/mo
Today · 4.125%
HK$36,502
baseline
▲ 0.50% · 4.625%
HK$38,426
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,004/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,517
−HK$1,181/mo
Today · 4.125%
HK$39,698
baseline
▲ 0.50% · 4.625%
HK$42,113
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,396/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,557
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,672
−HK$1,131/mo
Today · 4.125%
HK$43,803
baseline
▲ 0.50% · 4.625%
HK$46,112
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,606/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,581
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,937
−HK$1,377/mo
Today · 4.125%
HK$46,314
baseline
▲ 0.50% · 4.625%
HK$49,132
+HK$2,818/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,628/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,484
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,784
−HK$1,319/mo
Today · 4.125%
HK$51,103
baseline
▲ 0.50% · 4.625%
HK$53,797
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,206/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,033
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,776
−HK$1,771/mo
Today · 4.125%
HK$59,547
baseline
▲ 0.50% · 4.625%
HK$63,170
+HK$3,623/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,094/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,336
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,008
−HK$1,696/mo
Today · 4.125%
HK$65,704
baseline
▲ 0.50% · 4.625%
HK$69,167
+HK$3,463/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,408/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,941 · Scale 2, in force from 26 Feb 2026)