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$31,061
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$981/mo
Today · 4.125%
HK$33,008
baseline
▲ 0.50% · 4.625%
HK$35,017
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,016/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,555
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,481
−HK$940/mo
Today · 4.125%
HK$36,421
baseline
▲ 0.50% · 4.625%
HK$38,341
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,842/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,273
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,432
−HK$1,178/mo
Today · 4.125%
HK$39,610
baseline
▲ 0.50% · 4.625%
HK$42,020
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,220/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,465
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,578
−HK$1,128/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,485
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,837
−HK$1,375/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,376
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,674
−HK$1,316/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$53,678
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,909
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,648
−HK$1,767/mo
Today · 4.125%
HK$59,415
baseline
▲ 0.50% · 4.625%
HK$63,030
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,830/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,198
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,866
−HK$1,693/mo
Today · 4.125%
HK$65,559
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,118/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,808 · Scale 2, in force from 26 Feb 2026)