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$31,102
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$983/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$35,064
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,529
−HK$941/mo
Today · 4.125%
HK$36,470
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,940/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,323
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,483
−HK$1,180/mo
Today · 4.125%
HK$39,663
baseline
▲ 0.50% · 4.625%
HK$42,076
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,326/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,521
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,635
−HK$1,129/mo
Today · 4.125%
HK$43,764
baseline
▲ 0.50% · 4.625%
HK$46,071
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,528/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,897
−HK$1,377/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,441
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,740
−HK$1,318/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,984
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,725
−HK$1,770/mo
Today · 4.125%
HK$59,495
baseline
▲ 0.50% · 4.625%
HK$63,115
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$118,990/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,281
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,952
−HK$1,694/mo
Today · 4.125%
HK$65,646
baseline
▲ 0.50% · 4.625%
HK$69,107
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,292/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,491 · Scale 2, in force from 26 Feb 2026)