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$31,092
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$982/mo
Today · 4.125%
HK$33,041
baseline
▲ 0.50% · 4.625%
HK$35,052
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,082/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$941/mo
Today · 4.125%
HK$36,458
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,916/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,310
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,179/mo
Today · 4.125%
HK$39,650
baseline
▲ 0.50% · 4.625%
HK$42,062
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,300/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,507
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,620
−HK$1,130/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,056
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,528
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,882
−HK$1,376/mo
Today · 4.125%
HK$46,258
baseline
▲ 0.50% · 4.625%
HK$49,073
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,516/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,425
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,317/mo
Today · 4.125%
HK$51,041
baseline
▲ 0.50% · 4.625%
HK$53,732
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,082/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,965
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,706
−HK$1,769/mo
Today · 4.125%
HK$59,475
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,950/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,261
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,694/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,083
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,320 · Scale 2, in force from 26 Feb 2026)