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$31,128
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$984/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$2,013/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,558
−HK$942/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,424
+HK$1,924/mo
Deposit HK$6.83M · loan HK$6.83M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,353
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,515
−HK$1,181/mo
Today · 4.125%
HK$39,696
baseline
▲ 0.50% · 4.625%
HK$42,111
+HK$2,415/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$79,392/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,555
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,670
−HK$1,130/mo
Today · 4.125%
HK$43,800
baseline
▲ 0.50% · 4.625%
HK$46,109
+HK$2,309/mo
Deposit HK$5.46M · loan HK$8.19M · min. income ≈ HK$87,600/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,579
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,935
−HK$1,377/mo
Today · 4.125%
HK$46,312
baseline
▲ 0.50% · 4.625%
HK$49,130
+HK$2,818/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$92,624/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,481
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,781
−HK$1,320/mo
Today · 4.125%
HK$51,101
baseline
▲ 0.50% · 4.625%
HK$53,794
+HK$2,693/mo
Deposit HK$4.10M · loan HK$9.56M · min. income ≈ HK$102,202/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,030
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,773
−HK$1,771/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$63,167
+HK$3,623/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,333
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,005
−HK$1,696/mo
Today · 4.125%
HK$65,701
baseline
▲ 0.50% · 4.625%
HK$69,164
+HK$3,463/mo
Deposit HK$1.37M · loan HK$12.29M · min. income ≈ HK$131,402/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,915 · Scale 2, in force from 26 Feb 2026)