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$31,016
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$980/mo
Today · 4.125%
HK$32,961
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,922/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$939/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,177/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,127/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$45,944
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,423
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,774
−HK$1,372/mo
Today · 4.125%
HK$46,146
baseline
▲ 0.50% · 4.625%
HK$48,954
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,292/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,308
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,603
−HK$1,314/mo
Today · 4.125%
HK$50,917
baseline
▲ 0.50% · 4.625%
HK$53,601
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,834/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,829
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,566
−HK$1,764/mo
Today · 4.125%
HK$59,330
baseline
▲ 0.50% · 4.625%
HK$62,941
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,660/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,110
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,775
−HK$1,690/mo
Today · 4.125%
HK$65,465
baseline
▲ 0.50% · 4.625%
HK$68,916
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,930/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,081 · Scale 2, in force from 26 Feb 2026)