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$31,085
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$983/mo
Today · 4.125%
HK$33,035
baseline
▲ 0.50% · 4.625%
HK$35,045
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,070/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,510
−HK$941/mo
Today · 4.125%
HK$36,451
baseline
▲ 0.50% · 4.625%
HK$38,372
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,902/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,302
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,463
−HK$1,179/mo
Today · 4.125%
HK$39,642
baseline
▲ 0.50% · 4.625%
HK$42,054
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,284/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,499
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,612
−HK$1,129/mo
Today · 4.125%
HK$43,741
baseline
▲ 0.50% · 4.625%
HK$46,046
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,482/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,520
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,376/mo
Today · 4.125%
HK$46,249
baseline
▲ 0.50% · 4.625%
HK$49,063
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,498/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,415
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,714
−HK$1,317/mo
Today · 4.125%
HK$51,031
baseline
▲ 0.50% · 4.625%
HK$53,721
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,062/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,954
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,694
−HK$1,768/mo
Today · 4.125%
HK$59,462
baseline
▲ 0.50% · 4.625%
HK$63,081
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,924/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,248
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,917
−HK$1,694/mo
Today · 4.125%
HK$65,611
baseline
▲ 0.50% · 4.625%
HK$69,069
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,222/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,216 · Scale 2, in force from 26 Feb 2026)