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$31,103
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$983/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$35,065
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,602
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$941/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,394
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,324
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,484
−HK$1,180/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$42,077
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,522
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,636
−HK$1,129/mo
Today · 4.125%
HK$43,765
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,530/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,544
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,899
−HK$1,376/mo
Today · 4.125%
HK$46,275
baseline
▲ 0.50% · 4.625%
HK$49,090
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,550/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,742
−HK$1,318/mo
Today · 4.125%
HK$51,060
baseline
▲ 0.50% · 4.625%
HK$53,751
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,120/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,985
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,769/mo
Today · 4.125%
HK$59,496
baseline
▲ 0.50% · 4.625%
HK$63,116
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$118,992/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,283
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,953
−HK$1,695/mo
Today · 4.125%
HK$65,648
baseline
▲ 0.50% · 4.625%
HK$69,108
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,296/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,504 · Scale 2, in force from 26 Feb 2026)