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$31,114
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,082
−HK$983/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$35,077
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,614
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$941/mo
Today · 4.125%
HK$36,484
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,968/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,337
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,180/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,537
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,651
−HK$1,130/mo
Today · 4.125%
HK$43,781
baseline
▲ 0.50% · 4.625%
HK$46,089
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,562/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,560
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,915
−HK$1,376/mo
Today · 4.125%
HK$46,291
baseline
▲ 0.50% · 4.625%
HK$49,108
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,582/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,460
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,760
−HK$1,318/mo
Today · 4.125%
HK$51,078
baseline
▲ 0.50% · 4.625%
HK$53,770
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,156/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,006
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,770/mo
Today · 4.125%
HK$59,518
baseline
▲ 0.50% · 4.625%
HK$63,139
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,036/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,306
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,695/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,133
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,690 · Scale 2, in force from 26 Feb 2026)