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$31,047
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$982/mo
Today · 4.125%
HK$32,994
baseline
▲ 0.50% · 4.625%
HK$35,001
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,988/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$939/mo
Today · 4.125%
HK$36,405
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,810/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,256
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,415
−HK$1,177/mo
Today · 4.125%
HK$39,592
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,184/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,447
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,127/mo
Today · 4.125%
HK$43,686
baseline
▲ 0.50% · 4.625%
HK$45,989
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,372/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,465
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,817
−HK$1,374/mo
Today · 4.125%
HK$46,191
baseline
▲ 0.50% · 4.625%
HK$49,002
+HK$2,811/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,382/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,355
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,652
−HK$1,315/mo
Today · 4.125%
HK$50,967
baseline
▲ 0.50% · 4.625%
HK$53,654
+HK$2,687/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,934/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,884
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,622
−HK$1,767/mo
Today · 4.125%
HK$59,389
baseline
▲ 0.50% · 4.625%
HK$63,002
+HK$3,613/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,778/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,171
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,838
−HK$1,691/mo
Today · 4.125%
HK$65,529
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,058/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,580 · Scale 2, in force from 26 Feb 2026)