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$31,042
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$981/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,995
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,533
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$939/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,178/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,994
+HK$2,408/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,440
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,551
−HK$1,128/mo
Today · 4.125%
HK$43,679
baseline
▲ 0.50% · 4.625%
HK$45,981
+HK$2,302/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,358/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,458
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,373/mo
Today · 4.125%
HK$46,183
baseline
▲ 0.50% · 4.625%
HK$48,993
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,366/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,347
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,643
−HK$1,316/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,613
−HK$1,766/mo
Today · 4.125%
HK$59,379
baseline
▲ 0.50% · 4.625%
HK$62,992
+HK$3,613/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,758/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,160
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,827
−HK$1,691/mo
Today · 4.125%
HK$65,518
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,454/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,036/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,494 · Scale 2, in force from 26 Feb 2026)