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$31,117
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,085
−HK$984/mo
Today · 4.125%
HK$33,069
baseline
▲ 0.50% · 4.625%
HK$35,081
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,138/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,618
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$942/mo
Today · 4.125%
HK$36,488
baseline
▲ 0.50% · 4.625%
HK$38,411
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,976/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,341
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,502
−HK$1,180/mo
Today · 4.125%
HK$39,682
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,364/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,655
−HK$1,131/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,564
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,377/mo
Today · 4.125%
HK$46,296
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,592/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,465
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,318/mo
Today · 4.125%
HK$51,083
baseline
▲ 0.50% · 4.625%
HK$53,776
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,166/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,011
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,753
−HK$1,770/mo
Today · 4.125%
HK$59,523
baseline
▲ 0.50% · 4.625%
HK$63,145
+HK$3,622/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,046/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,312
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,983
−HK$1,695/mo
Today · 4.125%
HK$65,678
baseline
▲ 0.50% · 4.625%
HK$69,140
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,356/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,740 · Scale 2, in force from 26 Feb 2026)