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$1,951/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$983/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$35,065
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,602
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$942/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,394
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,324
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,180/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$42,078
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,523
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,636
−HK$1,130/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,073
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,545
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,899
−HK$1,377/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$49,091
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,443
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,742
−HK$1,318/mo
Today · 4.125%
HK$51,060
baseline
▲ 0.50% · 4.625%
HK$53,752
+HK$2,692/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$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,986
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,769/mo
Today · 4.125%
HK$59,497
baseline
▲ 0.50% · 4.625%
HK$63,117
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$118,994/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,284
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,955
−HK$1,694/mo
Today · 4.125%
HK$65,649
baseline
▲ 0.50% · 4.625%
HK$69,110
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,298/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,513 · Scale 2, in force from 26 Feb 2026)