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$31,084
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$982/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,581
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$941/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,301
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,461
−HK$1,179/mo
Today · 4.125%
HK$39,640
baseline
▲ 0.50% · 4.625%
HK$42,052
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,280/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,497
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,610
−HK$1,129/mo
Today · 4.125%
HK$43,739
baseline
▲ 0.50% · 4.625%
HK$46,044
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,478/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,518
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,871
−HK$1,375/mo
Today · 4.125%
HK$46,246
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,492/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,413
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,711
−HK$1,317/mo
Today · 4.125%
HK$51,028
baseline
▲ 0.50% · 4.625%
HK$53,718
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,056/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,951
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,692
−HK$1,768/mo
Today · 4.125%
HK$59,460
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,920/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,245
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,694/mo
Today · 4.125%
HK$65,608
baseline
▲ 0.50% · 4.625%
HK$69,066
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,216/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,192 · Scale 2, in force from 26 Feb 2026)