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$31,082
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$983/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$35,040
+HK$2,009/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,578
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,505
−HK$941/mo
Today · 4.125%
HK$36,446
baseline
▲ 0.50% · 4.625%
HK$38,367
+HK$1,921/mo
Deposit HK$6.82M · loan HK$6.82M · min. income ≈ HK$72,892/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,298
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,458
−HK$1,179/mo
Today · 4.125%
HK$39,637
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,412/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,274/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,493
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,606
−HK$1,129/mo
Today · 4.125%
HK$43,735
baseline
▲ 0.50% · 4.625%
HK$46,041
+HK$2,306/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,470/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,514
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,868
−HK$1,375/mo
Today · 4.125%
HK$46,243
baseline
▲ 0.50% · 4.625%
HK$49,057
+HK$2,814/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,486/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,409
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,707
−HK$1,317/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$53,714
+HK$2,690/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,947
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,687
−HK$1,768/mo
Today · 4.125%
HK$59,455
baseline
▲ 0.50% · 4.625%
HK$63,073
+HK$3,618/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$118,910/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,240
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,910
−HK$1,693/mo
Today · 4.125%
HK$65,603
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,458/mo
Deposit HK$1.36M · loan HK$12.27M · min. income ≈ HK$131,206/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,153 · Scale 2, in force from 26 Feb 2026)