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$31,035
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$980/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$940/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$1,918/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,242
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,177/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,432
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,127/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$45,972
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,801
−HK$1,373/mo
Today · 4.125%
HK$46,174
baseline
▲ 0.50% · 4.625%
HK$48,984
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,348/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,337
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,633
−HK$1,315/mo
Today · 4.125%
HK$50,948
baseline
▲ 0.50% · 4.625%
HK$53,634
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,896/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,863
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,601
−HK$1,766/mo
Today · 4.125%
HK$59,367
baseline
▲ 0.50% · 4.625%
HK$62,979
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,734/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,148
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,814
−HK$1,691/mo
Today · 4.125%
HK$65,505
baseline
▲ 0.50% · 4.625%
HK$68,958
+HK$3,453/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,010/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,391 · Scale 2, in force from 26 Feb 2026)