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$31,107
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,074
−HK$983/mo
Today · 4.125%
HK$33,057
baseline
▲ 0.50% · 4.625%
HK$35,069
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,114/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,606
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,534
−HK$942/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,398
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,328
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,489
−HK$1,180/mo
Today · 4.125%
HK$39,669
baseline
▲ 0.50% · 4.625%
HK$42,083
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,338/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,527
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,641
−HK$1,130/mo
Today · 4.125%
HK$43,771
baseline
▲ 0.50% · 4.625%
HK$46,078
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,542/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,549
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,904
−HK$1,376/mo
Today · 4.125%
HK$46,280
baseline
▲ 0.50% · 4.625%
HK$49,096
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,560/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,448
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,318/mo
Today · 4.125%
HK$51,066
baseline
▲ 0.50% · 4.625%
HK$53,757
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,132/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,992
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,734
−HK$1,769/mo
Today · 4.125%
HK$59,503
baseline
▲ 0.50% · 4.625%
HK$63,124
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,006/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,291
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,961
−HK$1,695/mo
Today · 4.125%
HK$65,656
baseline
▲ 0.50% · 4.625%
HK$69,117
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,312/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,566 · Scale 2, in force from 26 Feb 2026)