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$31,124
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,092
−HK$984/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$942/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$1,924/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,349
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,511
−HK$1,180/mo
Today · 4.125%
HK$39,691
baseline
▲ 0.50% · 4.625%
HK$42,106
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,382/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,550
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,130/mo
Today · 4.125%
HK$43,795
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,590/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,574
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,929
−HK$1,377/mo
Today · 4.125%
HK$46,306
baseline
▲ 0.50% · 4.625%
HK$49,124
+HK$2,818/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,612/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,475
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,319/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$53,787
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,023
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,766
−HK$1,770/mo
Today · 4.125%
HK$59,536
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,623/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,072/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,325
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$63,997
−HK$1,696/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,155
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,851 · Scale 2, in force from 26 Feb 2026)