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$31,123
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$983/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$35,087
+HK$2,013/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,552
−HK$942/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,418
+HK$1,924/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,347
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,509
−HK$1,180/mo
Today · 4.125%
HK$39,689
baseline
▲ 0.50% · 4.625%
HK$42,104
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,378/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,548
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,663
−HK$1,130/mo
Today · 4.125%
HK$43,793
baseline
▲ 0.50% · 4.625%
HK$46,102
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,586/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,572
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,927
−HK$1,377/mo
Today · 4.125%
HK$46,304
baseline
▲ 0.50% · 4.625%
HK$49,122
+HK$2,818/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,608/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,473
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,773
−HK$1,319/mo
Today · 4.125%
HK$51,092
baseline
▲ 0.50% · 4.625%
HK$53,785
+HK$2,693/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,184/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,021
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,763
−HK$1,771/mo
Today · 4.125%
HK$59,534
baseline
▲ 0.50% · 4.625%
HK$63,156
+HK$3,622/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,068/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,323
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,994
−HK$1,696/mo
Today · 4.125%
HK$65,690
baseline
▲ 0.50% · 4.625%
HK$69,152
+HK$3,462/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,380/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,829 · Scale 2, in force from 26 Feb 2026)