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$31,021
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$981/mo
Today · 4.125%
HK$32,967
baseline
▲ 0.50% · 4.625%
HK$34,973
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,934/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,511
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,437
−HK$939/mo
Today · 4.125%
HK$36,376
baseline
▲ 0.50% · 4.625%
HK$38,293
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,752/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,226
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,384
−HK$1,176/mo
Today · 4.125%
HK$39,560
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,120/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,524
−HK$1,127/mo
Today · 4.125%
HK$43,651
baseline
▲ 0.50% · 4.625%
HK$45,952
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,302/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,430
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,372/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,962
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,315/mo
Today · 4.125%
HK$50,926
baseline
▲ 0.50% · 4.625%
HK$53,610
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,852/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,839
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,576
−HK$1,764/mo
Today · 4.125%
HK$59,340
baseline
▲ 0.50% · 4.625%
HK$62,951
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,680/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,120
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,786
−HK$1,690/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$68,927
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,164 · Scale 2, in force from 26 Feb 2026)