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$31,101
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,068
−HK$983/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,599
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,527
−HK$941/mo
Today · 4.125%
HK$36,468
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,936/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,179/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$42,074
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,519
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,632
−HK$1,130/mo
Today · 4.125%
HK$43,762
baseline
▲ 0.50% · 4.625%
HK$46,069
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,524/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,895
−HK$1,376/mo
Today · 4.125%
HK$46,271
baseline
▲ 0.50% · 4.625%
HK$49,087
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,542/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,439
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,738
−HK$1,318/mo
Today · 4.125%
HK$51,056
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,112/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,981
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,722
−HK$1,770/mo
Today · 4.125%
HK$59,492
baseline
▲ 0.50% · 4.625%
HK$63,111
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$118,984/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,278
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,949
−HK$1,694/mo
Today · 4.125%
HK$65,643
baseline
▲ 0.50% · 4.625%
HK$69,103
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,286/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,466 · Scale 2, in force from 26 Feb 2026)