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$31,034
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,999
−HK$981/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$2,007/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$939/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$1,919/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,241
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,399
−HK$1,177/mo
Today · 4.125%
HK$39,576
baseline
▲ 0.50% · 4.625%
HK$41,984
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,152/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,430
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,541
−HK$1,127/mo
Today · 4.125%
HK$43,668
baseline
▲ 0.50% · 4.625%
HK$45,970
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,336/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,448
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,799
−HK$1,373/mo
Today · 4.125%
HK$46,172
baseline
▲ 0.50% · 4.625%
HK$48,982
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,344/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,335
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,631
−HK$1,315/mo
Today · 4.125%
HK$50,946
baseline
▲ 0.50% · 4.625%
HK$53,632
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,892/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,861
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,599
−HK$1,765/mo
Today · 4.125%
HK$59,364
baseline
▲ 0.50% · 4.625%
HK$62,976
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,728/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,145
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,812
−HK$1,691/mo
Today · 4.125%
HK$65,503
baseline
▲ 0.50% · 4.625%
HK$68,955
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,006/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,372 · Scale 2, in force from 26 Feb 2026)