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$31,060
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$982/mo
Today · 4.125%
HK$33,008
baseline
▲ 0.50% · 4.625%
HK$35,016
+HK$2,008/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$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,554
−HK$1,867/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$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,272
−HK$2,338/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$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,465
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,577
−HK$1,128/mo
Today · 4.125%
HK$43,705
baseline
▲ 0.50% · 4.625%
HK$46,009
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,410/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,484
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,837
−HK$1,374/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$49,023
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,376
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,316/mo
Today · 4.125%
HK$50,989
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,978/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,908
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,647
−HK$1,767/mo
Today · 4.125%
HK$59,414
baseline
▲ 0.50% · 4.625%
HK$63,029
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,828/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,197
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,866
−HK$1,692/mo
Today · 4.125%
HK$65,558
baseline
▲ 0.50% · 4.625%
HK$69,013
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,116/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,801 · Scale 2, in force from 26 Feb 2026)