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$31,062
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$981/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$35,019
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,557
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,483
−HK$941/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,434
−HK$1,178/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,468
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,580
−HK$1,128/mo
Today · 4.125%
HK$43,708
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,416/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,487
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,374/mo
Today · 4.125%
HK$46,214
baseline
▲ 0.50% · 4.625%
HK$49,026
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,428/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,379
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,677
−HK$1,316/mo
Today · 4.125%
HK$50,993
baseline
▲ 0.50% · 4.625%
HK$53,681
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$101,986/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,912
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,767/mo
Today · 4.125%
HK$59,419
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,838/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,202
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,870
−HK$1,692/mo
Today · 4.125%
HK$65,562
baseline
▲ 0.50% · 4.625%
HK$69,018
+HK$3,456/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,124/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,838 · Scale 2, in force from 26 Feb 2026)