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$31,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$983/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$35,052
+HK$2,010/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,590
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$942/mo
Today · 4.125%
HK$36,459
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,918/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,311
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,179/mo
Today · 4.125%
HK$39,650
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,413/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,300/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,508
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,621
−HK$1,129/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,056
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,529
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,376/mo
Today · 4.125%
HK$46,259
baseline
▲ 0.50% · 4.625%
HK$49,073
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,518/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,426
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,318/mo
Today · 4.125%
HK$51,042
baseline
▲ 0.50% · 4.625%
HK$53,732
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,084/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,966
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,768/mo
Today · 4.125%
HK$59,475
baseline
▲ 0.50% · 4.625%
HK$63,094
+HK$3,619/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,950/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,262
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,931
−HK$1,694/mo
Today · 4.125%
HK$65,625
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,460/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,250/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,328 · Scale 2, in force from 26 Feb 2026)