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$31,070
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$982/mo
Today · 4.125%
HK$33,019
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,038/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,565
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$941/mo
Today · 4.125%
HK$36,433
baseline
▲ 0.50% · 4.625%
HK$38,353
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,866/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,179/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$42,033
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,479
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,591
−HK$1,129/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,499
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,374/mo
Today · 4.125%
HK$46,226
baseline
▲ 0.50% · 4.625%
HK$49,039
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,452/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,392
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,689
−HK$1,317/mo
Today · 4.125%
HK$51,006
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,012/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,927
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,666
−HK$1,768/mo
Today · 4.125%
HK$59,434
baseline
▲ 0.50% · 4.625%
HK$63,050
+HK$3,616/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,868/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,218
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,886
−HK$1,693/mo
Today · 4.125%
HK$65,579
baseline
▲ 0.50% · 4.625%
HK$69,036
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,158/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,969 · Scale 2, in force from 26 Feb 2026)