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$31,105
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$983/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$35,067
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,532
−HK$941/mo
Today · 4.125%
HK$36,473
baseline
▲ 0.50% · 4.625%
HK$38,396
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,946/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,326
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,179/mo
Today · 4.125%
HK$39,666
baseline
▲ 0.50% · 4.625%
HK$42,080
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,332/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,130/mo
Today · 4.125%
HK$43,768
baseline
▲ 0.50% · 4.625%
HK$46,075
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,536/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,547
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,901
−HK$1,376/mo
Today · 4.125%
HK$46,277
baseline
▲ 0.50% · 4.625%
HK$49,093
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,554/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,445
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,744
−HK$1,319/mo
Today · 4.125%
HK$51,063
baseline
▲ 0.50% · 4.625%
HK$53,754
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,126/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,989
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,730
−HK$1,770/mo
Today · 4.125%
HK$59,500
baseline
▲ 0.50% · 4.625%
HK$63,120
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,000/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,287
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,957
−HK$1,695/mo
Today · 4.125%
HK$65,652
baseline
▲ 0.50% · 4.625%
HK$69,112
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,304/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,534 · Scale 2, in force from 26 Feb 2026)