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$31,014
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,978
−HK$980/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,964
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,502
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$938/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,216
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,176/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,403
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,127/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,419
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,372/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,949
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,303
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,314/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$53,597
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,824
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,561
−HK$1,764/mo
Today · 4.125%
HK$59,325
baseline
▲ 0.50% · 4.625%
HK$62,935
+HK$3,610/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,650/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,104
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,770
−HK$1,689/mo
Today · 4.125%
HK$65,459
baseline
▲ 0.50% · 4.625%
HK$68,910
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,918/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,035 · Scale 2, in force from 26 Feb 2026)