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$31,077
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,044
−HK$982/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$35,035
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,573
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,500
−HK$941/mo
Today · 4.125%
HK$36,441
baseline
▲ 0.50% · 4.625%
HK$38,361
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,882/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,292
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,452
−HK$1,179/mo
Today · 4.125%
HK$39,631
baseline
▲ 0.50% · 4.625%
HK$42,042
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,262/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,487
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,600
−HK$1,129/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,034
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,508
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,861
−HK$1,375/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$49,049
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,472/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,402
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,700
−HK$1,317/mo
Today · 4.125%
HK$51,017
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,034/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,678
−HK$1,768/mo
Today · 4.125%
HK$59,446
baseline
▲ 0.50% · 4.625%
HK$63,063
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,892/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,231
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,693/mo
Today · 4.125%
HK$65,593
baseline
▲ 0.50% · 4.625%
HK$69,051
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,186/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,077 · Scale 2, in force from 26 Feb 2026)