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$31,050
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$981/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$35,005
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,543
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$940/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,260
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,419
−HK$1,178/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$42,006
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,563
−HK$1,128/mo
Today · 4.125%
HK$43,691
baseline
▲ 0.50% · 4.625%
HK$45,994
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,382/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,470
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,374/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,811/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,360
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,657
−HK$1,316/mo
Today · 4.125%
HK$50,973
baseline
▲ 0.50% · 4.625%
HK$53,660
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,946/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,890
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,766/mo
Today · 4.125%
HK$59,395
baseline
▲ 0.50% · 4.625%
HK$63,009
+HK$3,614/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,790/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,178
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,845
−HK$1,692/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$68,991
+HK$3,454/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,638 · Scale 2, in force from 26 Feb 2026)