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$31,127
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,095
−HK$984/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$2,012/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,628
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,557
−HK$942/mo
Today · 4.125%
HK$36,499
baseline
▲ 0.50% · 4.625%
HK$38,423
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$72,998/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,180/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,416/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,668
−HK$1,131/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,107
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,933
−HK$1,377/mo
Today · 4.125%
HK$46,310
baseline
▲ 0.50% · 4.625%
HK$49,128
+HK$2,818/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,620/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,319/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$53,792
+HK$2,693/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,028
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,770/mo
Today · 4.125%
HK$59,541
baseline
▲ 0.50% · 4.625%
HK$63,164
+HK$3,623/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,082/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,002
−HK$1,696/mo
Today · 4.125%
HK$65,698
baseline
▲ 0.50% · 4.625%
HK$69,161
+HK$3,463/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,396/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,895 · Scale 2, in force from 26 Feb 2026)