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$31,038
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$981/mo
Today · 4.125%
HK$32,984
baseline
▲ 0.50% · 4.625%
HK$34,991
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,968/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$940/mo
Today · 4.125%
HK$36,395
baseline
▲ 0.50% · 4.625%
HK$38,313
+HK$1,918/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,790/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,245
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,404
−HK$1,177/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,989
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,435
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,546
−HK$1,127/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$45,976
+HK$2,303/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,453
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,804
−HK$1,374/mo
Today · 4.125%
HK$46,178
baseline
▲ 0.50% · 4.625%
HK$48,987
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,356/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,341
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,637
−HK$1,315/mo
Today · 4.125%
HK$50,952
baseline
▲ 0.50% · 4.625%
HK$53,638
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,904/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,868
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,606
−HK$1,765/mo
Today · 4.125%
HK$59,371
baseline
▲ 0.50% · 4.625%
HK$62,984
+HK$3,613/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,742/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,152
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,819
−HK$1,691/mo
Today · 4.125%
HK$65,510
baseline
▲ 0.50% · 4.625%
HK$68,963
+HK$3,453/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,020/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,431 · Scale 2, in force from 26 Feb 2026)