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$31,067
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,033
−HK$982/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$35,024
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,562
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,489
−HK$940/mo
Today · 4.125%
HK$36,429
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,858/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,280
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,178/mo
Today · 4.125%
HK$39,618
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,236/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,586
−HK$1,129/mo
Today · 4.125%
HK$43,715
baseline
▲ 0.50% · 4.625%
HK$46,019
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,430/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,494
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,847
−HK$1,374/mo
Today · 4.125%
HK$46,221
baseline
▲ 0.50% · 4.625%
HK$49,034
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,442/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,386
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,684
−HK$1,317/mo
Today · 4.125%
HK$51,001
baseline
▲ 0.50% · 4.625%
HK$53,689
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,002/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,921
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,660
−HK$1,767/mo
Today · 4.125%
HK$59,427
baseline
▲ 0.50% · 4.625%
HK$63,043
+HK$3,616/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,854/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,211
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,880
−HK$1,692/mo
Today · 4.125%
HK$65,572
baseline
▲ 0.50% · 4.625%
HK$69,029
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,144/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,914 · Scale 2, in force from 26 Feb 2026)