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$31,064
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$982/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,558
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,485
−HK$940/mo
Today · 4.125%
HK$36,425
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,850/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,277
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,436
−HK$1,178/mo
Today · 4.125%
HK$39,614
baseline
▲ 0.50% · 4.625%
HK$42,025
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,228/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,470
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,582
−HK$1,129/mo
Today · 4.125%
HK$43,711
baseline
▲ 0.50% · 4.625%
HK$46,015
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,422/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,490
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,375/mo
Today · 4.125%
HK$46,217
baseline
▲ 0.50% · 4.625%
HK$49,029
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,434/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,382
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,317/mo
Today · 4.125%
HK$50,996
baseline
▲ 0.50% · 4.625%
HK$53,684
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$101,992/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,915
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,654
−HK$1,768/mo
Today · 4.125%
HK$59,422
baseline
▲ 0.50% · 4.625%
HK$63,037
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,844/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,205
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,873
−HK$1,693/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,022
+HK$3,456/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,864 · Scale 2, in force from 26 Feb 2026)