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$31,086
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$983/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,583
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$941/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,373
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,464
−HK$1,179/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,500
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,613
−HK$1,129/mo
Today · 4.125%
HK$43,742
baseline
▲ 0.50% · 4.625%
HK$46,048
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,484/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,375/mo
Today · 4.125%
HK$46,250
baseline
▲ 0.50% · 4.625%
HK$49,064
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,500/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,317/mo
Today · 4.125%
HK$51,032
baseline
▲ 0.50% · 4.625%
HK$53,722
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,064/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,696
−HK$1,768/mo
Today · 4.125%
HK$59,464
baseline
▲ 0.50% · 4.625%
HK$63,083
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,928/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,250
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,919
−HK$1,694/mo
Today · 4.125%
HK$65,613
baseline
▲ 0.50% · 4.625%
HK$69,072
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,226/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,231 · Scale 2, in force from 26 Feb 2026)