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$31,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$984/mo
Today · 4.125%
HK$33,067
baseline
▲ 0.50% · 4.625%
HK$35,079
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,134/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,616
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$942/mo
Today · 4.125%
HK$36,486
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,972/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,339
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,180/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,130/mo
Today · 4.125%
HK$43,783
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,566/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,562
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,377/mo
Today · 4.125%
HK$46,294
baseline
▲ 0.50% · 4.625%
HK$49,110
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,588/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,462
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,318/mo
Today · 4.125%
HK$51,080
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,160/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,008
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,750
−HK$1,770/mo
Today · 4.125%
HK$59,520
baseline
▲ 0.50% · 4.625%
HK$63,142
+HK$3,622/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,040/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,308
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,980
−HK$1,695/mo
Today · 4.125%
HK$65,675
baseline
▲ 0.50% · 4.625%
HK$69,137
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,350/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,713 · Scale 2, in force from 26 Feb 2026)