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$31,090
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$983/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$35,050
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,587
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,515
−HK$941/mo
Today · 4.125%
HK$36,456
baseline
▲ 0.50% · 4.625%
HK$38,378
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,912/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,469
−HK$1,179/mo
Today · 4.125%
HK$39,648
baseline
▲ 0.50% · 4.625%
HK$42,060
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,296/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,505
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,618
−HK$1,129/mo
Today · 4.125%
HK$43,747
baseline
▲ 0.50% · 4.625%
HK$46,053
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,494/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,526
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,376/mo
Today · 4.125%
HK$46,256
baseline
▲ 0.50% · 4.625%
HK$49,070
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,512/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,422
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,721
−HK$1,318/mo
Today · 4.125%
HK$51,039
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,078/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,703
−HK$1,769/mo
Today · 4.125%
HK$59,472
baseline
▲ 0.50% · 4.625%
HK$63,090
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,944/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,257
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,927
−HK$1,694/mo
Today · 4.125%
HK$65,621
baseline
▲ 0.50% · 4.625%
HK$69,080
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,242/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,294 · Scale 2, in force from 26 Feb 2026)