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$31,101
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,069
−HK$983/mo
Today · 4.125%
HK$33,052
baseline
▲ 0.50% · 4.625%
HK$35,063
+HK$2,011/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,104/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,528
−HK$941/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$1,922/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,180/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,413/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,130/mo
Today · 4.125%
HK$43,763
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,307/mo
Deposit HK$5.46M · loan HK$8.18M · min. income ≈ HK$87,526/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,542
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,376/mo
Today · 4.125%
HK$46,272
baseline
▲ 0.50% · 4.625%
HK$49,088
+HK$2,816/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$92,544/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,318/mo
Today · 4.125%
HK$51,057
baseline
▲ 0.50% · 4.625%
HK$53,748
+HK$2,691/mo
Deposit HK$4.09M · loan HK$9.55M · min. income ≈ HK$102,114/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,982
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,724
−HK$1,769/mo
Today · 4.125%
HK$59,493
baseline
▲ 0.50% · 4.625%
HK$63,113
+HK$3,620/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$118,986/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,280
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,950
−HK$1,694/mo
Today · 4.125%
HK$65,644
baseline
▲ 0.50% · 4.625%
HK$69,105
+HK$3,461/mo
Deposit HK$1.36M · loan HK$12.28M · min. income ≈ HK$131,288/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$511,476 · Scale 2, in force from 26 Feb 2026)