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$31,100
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,067
−HK$983/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$35,061
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,598
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$941/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,390
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,480
−HK$1,180/mo
Today · 4.125%
HK$39,660
baseline
▲ 0.50% · 4.625%
HK$42,073
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,320/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,518
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,130/mo
Today · 4.125%
HK$43,761
baseline
▲ 0.50% · 4.625%
HK$46,067
+HK$2,306/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,522/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,894
−HK$1,376/mo
Today · 4.125%
HK$46,270
baseline
▲ 0.50% · 4.625%
HK$49,085
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,540/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,437
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,318/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$53,745
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,108/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,979
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,721
−HK$1,769/mo
Today · 4.125%
HK$59,490
baseline
▲ 0.50% · 4.625%
HK$63,110
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,980/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,276
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,947
−HK$1,694/mo
Today · 4.125%
HK$65,641
baseline
▲ 0.50% · 4.625%
HK$69,101
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,282/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,450 · Scale 2, in force from 26 Feb 2026)