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$31,108
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$983/mo
Today · 4.125%
HK$33,059
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,118/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,536
−HK$941/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,330
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,180/mo
Today · 4.125%
HK$39,671
baseline
▲ 0.50% · 4.625%
HK$42,085
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,342/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,529
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,130/mo
Today · 4.125%
HK$43,773
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,546/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,552
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,906
−HK$1,377/mo
Today · 4.125%
HK$46,283
baseline
▲ 0.50% · 4.625%
HK$49,099
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,566/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,451
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,750
−HK$1,318/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,995
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,737
−HK$1,769/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$63,127
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,294
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,964
−HK$1,695/mo
Today · 4.125%
HK$65,659
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,318/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,592 · Scale 2, in force from 26 Feb 2026)