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$31,120
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$983/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$35,084
+HK$2,013/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,549
−HK$942/mo
Today · 4.125%
HK$36,491
baseline
▲ 0.50% · 4.625%
HK$38,414
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,982/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,505
−HK$1,181/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,659
−HK$1,130/mo
Today · 4.125%
HK$43,789
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,578/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,377/mo
Today · 4.125%
HK$46,300
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,600/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,769
−HK$1,318/mo
Today · 4.125%
HK$51,087
baseline
▲ 0.50% · 4.625%
HK$53,780
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,174/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,016
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,758
−HK$1,770/mo
Today · 4.125%
HK$59,528
baseline
▲ 0.50% · 4.625%
HK$63,151
+HK$3,623/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,056/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,317
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,988
−HK$1,696/mo
Today · 4.125%
HK$65,684
baseline
▲ 0.50% · 4.625%
HK$69,146
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,368/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,783 · Scale 2, in force from 26 Feb 2026)