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$31,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$983/mo
Today · 4.125%
HK$33,043
baseline
▲ 0.50% · 4.625%
HK$35,054
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,086/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,591
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,519
−HK$941/mo
Today · 4.125%
HK$36,460
baseline
▲ 0.50% · 4.625%
HK$38,382
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,920/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,312
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,180/mo
Today · 4.125%
HK$39,652
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,304/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,130/mo
Today · 4.125%
HK$43,752
baseline
▲ 0.50% · 4.625%
HK$46,058
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,504/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,530
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,375/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$49,075
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,427
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,318/mo
Today · 4.125%
HK$51,044
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,088/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,968
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,709
−HK$1,768/mo
Today · 4.125%
HK$59,477
baseline
▲ 0.50% · 4.625%
HK$63,096
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,954/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,264
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,933
−HK$1,694/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,087
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,344 · Scale 2, in force from 26 Feb 2026)