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$31,079
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$983/mo
Today · 4.125%
HK$33,028
baseline
▲ 0.50% · 4.625%
HK$35,037
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,056/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,575
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,502
−HK$941/mo
Today · 4.125%
HK$36,443
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,886/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,294
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,454
−HK$1,179/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,602
−HK$1,129/mo
Today · 4.125%
HK$43,731
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,462/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,510
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,864
−HK$1,375/mo
Today · 4.125%
HK$46,239
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,478/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,405
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,703
−HK$1,317/mo
Today · 4.125%
HK$51,020
baseline
▲ 0.50% · 4.625%
HK$53,709
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,040/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,942
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,682
−HK$1,768/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$63,067
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,234
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,693/mo
Today · 4.125%
HK$65,597
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,194/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,105 · Scale 2, in force from 26 Feb 2026)