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$31,023
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$980/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,513
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$939/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,295
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,227
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,177/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,127/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$45,954
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,432
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,373/mo
Today · 4.125%
HK$46,156
baseline
▲ 0.50% · 4.625%
HK$48,964
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,312/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,613
−HK$1,315/mo
Today · 4.125%
HK$50,928
baseline
▲ 0.50% · 4.625%
HK$53,613
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,856/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,841
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,578
−HK$1,765/mo
Today · 4.125%
HK$59,343
baseline
▲ 0.50% · 4.625%
HK$62,954
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,686/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,123
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,789
−HK$1,690/mo
Today · 4.125%
HK$65,479
baseline
▲ 0.50% · 4.625%
HK$68,930
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,958/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,187 · Scale 2, in force from 26 Feb 2026)