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$31,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$984/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,632
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$942/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$1,925/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,180/mo
Today · 4.125%
HK$39,699
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,398/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,559
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,131/mo
Today · 4.125%
HK$43,804
baseline
▲ 0.50% · 4.625%
HK$46,113
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,608/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,583
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,938
−HK$1,378/mo
Today · 4.125%
HK$46,316
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,818/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,632/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,485
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,319/mo
Today · 4.125%
HK$51,105
baseline
▲ 0.50% · 4.625%
HK$53,799
+HK$2,694/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,210/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,035
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,778
−HK$1,771/mo
Today · 4.125%
HK$59,549
baseline
▲ 0.50% · 4.625%
HK$63,172
+HK$3,623/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,098/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,338
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,010
−HK$1,696/mo
Today · 4.125%
HK$65,706
baseline
▲ 0.50% · 4.625%
HK$69,170
+HK$3,464/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,412/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,958 · Scale 2, in force from 26 Feb 2026)