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$31,113
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$984/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$941/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$1,924/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,336
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,179/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,536
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,650
−HK$1,130/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,088
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,914
−HK$1,376/mo
Today · 4.125%
HK$46,290
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,580/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,459
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,758
−HK$1,319/mo
Today · 4.125%
HK$51,077
baseline
▲ 0.50% · 4.625%
HK$53,769
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,154/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,004
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,746
−HK$1,770/mo
Today · 4.125%
HK$59,516
baseline
▲ 0.50% · 4.625%
HK$63,138
+HK$3,622/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,032/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,304
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,975
−HK$1,695/mo
Today · 4.125%
HK$65,670
baseline
▲ 0.50% · 4.625%
HK$69,132
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,340/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,677 · Scale 2, in force from 26 Feb 2026)