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$31,094
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,061
−HK$983/mo
Today · 4.125%
HK$33,044
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,088/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,592
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$941/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,474
−HK$1,179/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,413/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,510
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,129/mo
Today · 4.125%
HK$43,753
baseline
▲ 0.50% · 4.625%
HK$46,059
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,506/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,532
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,886
−HK$1,376/mo
Today · 4.125%
HK$46,262
baseline
▲ 0.50% · 4.625%
HK$49,077
+HK$2,815/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,524/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,429
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,728
−HK$1,317/mo
Today · 4.125%
HK$51,045
baseline
▲ 0.50% · 4.625%
HK$53,736
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,090/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,969
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,710
−HK$1,769/mo
Today · 4.125%
HK$59,479
baseline
▲ 0.50% · 4.625%
HK$63,098
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,958/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,265
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,935
−HK$1,694/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,360 · Scale 2, in force from 26 Feb 2026)