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$31,025
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$980/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,977
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,516
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$939/mo
Today · 4.125%
HK$36,380
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,760/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,231
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,389
−HK$1,176/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,973
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,419
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,127/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$45,958
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,436
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,787
−HK$1,372/mo
Today · 4.125%
HK$46,159
baseline
▲ 0.50% · 4.625%
HK$48,968
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,318/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,322
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,618
−HK$1,314/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$53,617
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,846
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,583
−HK$1,765/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,959
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,128
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,794
−HK$1,691/mo
Today · 4.125%
HK$65,485
baseline
▲ 0.50% · 4.625%
HK$68,936
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,970/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,231 · Scale 2, in force from 26 Feb 2026)