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$31,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$984/mo
Today · 4.125%
HK$33,064
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,128/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,541
−HK$942/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,406
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,335
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,179/mo
Today · 4.125%
HK$39,676
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,352/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,535
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,130/mo
Today · 4.125%
HK$43,779
baseline
▲ 0.50% · 4.625%
HK$46,087
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,558/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,558
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,376/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$49,106
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,458
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,757
−HK$1,319/mo
Today · 4.125%
HK$51,076
baseline
▲ 0.50% · 4.625%
HK$53,768
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,152/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,003
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,745
−HK$1,770/mo
Today · 4.125%
HK$59,515
baseline
▲ 0.50% · 4.625%
HK$63,136
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,030/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,303
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,974
−HK$1,695/mo
Today · 4.125%
HK$65,669
baseline
▲ 0.50% · 4.625%
HK$69,130
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,338/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,665 · Scale 2, in force from 26 Feb 2026)