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$31,088
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$983/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$941/mo
Today · 4.125%
HK$36,454
baseline
▲ 0.50% · 4.625%
HK$38,376
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,908/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,306
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,467
−HK$1,179/mo
Today · 4.125%
HK$39,646
baseline
▲ 0.50% · 4.625%
HK$42,058
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,292/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,503
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,616
−HK$1,129/mo
Today · 4.125%
HK$43,745
baseline
▲ 0.50% · 4.625%
HK$46,051
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,490/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,878
−HK$1,375/mo
Today · 4.125%
HK$46,253
baseline
▲ 0.50% · 4.625%
HK$49,067
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,506/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,420
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,718
−HK$1,318/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$53,726
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,959
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,700
−HK$1,768/mo
Today · 4.125%
HK$59,468
baseline
▲ 0.50% · 4.625%
HK$63,087
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,936/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,254
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,924
−HK$1,693/mo
Today · 4.125%
HK$65,617
baseline
▲ 0.50% · 4.625%
HK$69,076
+HK$3,459/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,234/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,265 · Scale 2, in force from 26 Feb 2026)