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$1,948/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$982/mo
Today · 4.125%
HK$33,009
baseline
▲ 0.50% · 4.625%
HK$35,017
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,018/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,555
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$940/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,342
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,273
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,178/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$42,021
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,466
−HK$2,240/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$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,486
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,374/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$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,377
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,675
−HK$1,316/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$53,679
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,910
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,767/mo
Today · 4.125%
HK$59,416
baseline
▲ 0.50% · 4.625%
HK$63,031
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,832/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,199
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,867
−HK$1,693/mo
Today · 4.125%
HK$65,560
baseline
▲ 0.50% · 4.625%
HK$69,015
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,120/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,816 · Scale 2, in force from 26 Feb 2026)