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$31,126
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$984/mo
Today · 4.125%
HK$33,078
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,156/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,628
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,556
−HK$942/mo
Today · 4.125%
HK$36,498
baseline
▲ 0.50% · 4.625%
HK$38,422
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$72,996/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,181/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,668
−HK$1,130/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,107
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,377/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,818/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,319/mo
Today · 4.125%
HK$51,098
baseline
▲ 0.50% · 4.625%
HK$53,791
+HK$2,693/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,196/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,027
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,770
−HK$1,771/mo
Today · 4.125%
HK$59,541
baseline
▲ 0.50% · 4.625%
HK$63,163
+HK$3,622/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,082/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,330
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,001
−HK$1,696/mo
Today · 4.125%
HK$65,697
baseline
▲ 0.50% · 4.625%
HK$69,160
+HK$3,463/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,394/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,887 · Scale 2, in force from 26 Feb 2026)