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$31,048
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$981/mo
Today · 4.125%
HK$32,995
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,990/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,540
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,467
−HK$939/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,257
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,416
−HK$1,178/mo
Today · 4.125%
HK$39,594
baseline
▲ 0.50% · 4.625%
HK$42,003
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,188/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,448
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,560
−HK$1,128/mo
Today · 4.125%
HK$43,688
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,376/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,467
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,819
−HK$1,374/mo
Today · 4.125%
HK$46,193
baseline
▲ 0.50% · 4.625%
HK$49,003
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,386/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,356
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,653
−HK$1,316/mo
Today · 4.125%
HK$50,969
baseline
▲ 0.50% · 4.625%
HK$53,656
+HK$2,687/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,938/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,886
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,767/mo
Today · 4.125%
HK$59,391
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,613/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,782/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,173
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,840
−HK$1,692/mo
Today · 4.125%
HK$65,532
baseline
▲ 0.50% · 4.625%
HK$68,986
+HK$3,454/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,064/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,597 · Scale 2, in force from 26 Feb 2026)