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$31,119
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,087
−HK$983/mo
Today · 4.125%
HK$33,070
baseline
▲ 0.50% · 4.625%
HK$35,082
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,140/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,619
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,548
−HK$942/mo
Today · 4.125%
HK$36,490
baseline
▲ 0.50% · 4.625%
HK$38,413
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,980/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,504
−HK$1,180/mo
Today · 4.125%
HK$39,684
baseline
▲ 0.50% · 4.625%
HK$42,099
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,368/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,543
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,657
−HK$1,131/mo
Today · 4.125%
HK$43,788
baseline
▲ 0.50% · 4.625%
HK$46,096
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,576/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,566
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,921
−HK$1,377/mo
Today · 4.125%
HK$46,298
baseline
▲ 0.50% · 4.625%
HK$49,115
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,596/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,467
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,767
−HK$1,318/mo
Today · 4.125%
HK$51,085
baseline
▲ 0.50% · 4.625%
HK$53,778
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,170/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,014
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,756
−HK$1,770/mo
Today · 4.125%
HK$59,526
baseline
▲ 0.50% · 4.625%
HK$63,148
+HK$3,622/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,052/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,315
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,986
−HK$1,695/mo
Today · 4.125%
HK$65,681
baseline
▲ 0.50% · 4.625%
HK$69,144
+HK$3,463/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,362/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,764 · Scale 2, in force from 26 Feb 2026)