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$31,025
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,990
−HK$981/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,977
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$939/mo
Today · 4.125%
HK$36,380
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,760/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,177/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,972
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,418
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,127/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$45,957
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,786
−HK$1,373/mo
Today · 4.125%
HK$46,159
baseline
▲ 0.50% · 4.625%
HK$48,968
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,318/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,321
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,617
−HK$1,315/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$53,616
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,845
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,582
−HK$1,765/mo
Today · 4.125%
HK$59,347
baseline
▲ 0.50% · 4.625%
HK$62,958
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,694/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,127
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,793
−HK$1,691/mo
Today · 4.125%
HK$65,484
baseline
▲ 0.50% · 4.625%
HK$68,935
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,968/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,224 · Scale 2, in force from 26 Feb 2026)