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$31,110
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,078
−HK$983/mo
Today · 4.125%
HK$33,061
baseline
▲ 0.50% · 4.625%
HK$35,073
+HK$2,012/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,122/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,610
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,538
−HK$941/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,402
+HK$1,923/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,332
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,180/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$42,087
+HK$2,414/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,645
−HK$1,130/mo
Today · 4.125%
HK$43,775
baseline
▲ 0.50% · 4.625%
HK$46,083
+HK$2,308/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,550/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,909
−HK$1,376/mo
Today · 4.125%
HK$46,285
baseline
▲ 0.50% · 4.625%
HK$49,102
+HK$2,817/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,570/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,453
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,753
−HK$1,318/mo
Today · 4.125%
HK$51,071
baseline
▲ 0.50% · 4.625%
HK$53,763
+HK$2,692/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,142/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,998
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,740
−HK$1,770/mo
Today · 4.125%
HK$59,510
baseline
▲ 0.50% · 4.625%
HK$63,131
+HK$3,621/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$119,020/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,297
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,968
−HK$1,695/mo
Today · 4.125%
HK$65,663
baseline
▲ 0.50% · 4.625%
HK$69,124
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,326/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,621 · Scale 2, in force from 26 Feb 2026)