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$31,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$983/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$2,013/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,627
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,555
−HK$942/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,421
+HK$1,924/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,512
−HK$1,181/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,552
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,666
−HK$1,131/mo
Today · 4.125%
HK$43,797
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,594/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,377/mo
Today · 4.125%
HK$46,308
baseline
▲ 0.50% · 4.625%
HK$49,126
+HK$2,818/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,616/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,477
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,778
−HK$1,318/mo
Today · 4.125%
HK$51,096
baseline
▲ 0.50% · 4.625%
HK$53,790
+HK$2,694/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,192/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,026
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,768
−HK$1,771/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$63,162
+HK$3,623/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,328
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,000
−HK$1,695/mo
Today · 4.125%
HK$65,695
baseline
▲ 0.50% · 4.625%
HK$69,158
+HK$3,463/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,390/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,874 · Scale 2, in force from 26 Feb 2026)