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$31,074
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$982/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$2,010/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$941/mo
Today · 4.125%
HK$36,437
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$1,921/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,874/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,289
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,179/mo
Today · 4.125%
HK$39,627
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,254/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,128/mo
Today · 4.125%
HK$43,724
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,305/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,448/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,374/mo
Today · 4.125%
HK$46,231
baseline
▲ 0.50% · 4.625%
HK$49,044
+HK$2,813/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,462/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,317/mo
Today · 4.125%
HK$51,012
baseline
▲ 0.50% · 4.625%
HK$53,701
+HK$2,689/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,024/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,933
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,673
−HK$1,767/mo
Today · 4.125%
HK$59,440
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,880/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,225
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,894
−HK$1,693/mo
Today · 4.125%
HK$65,587
baseline
▲ 0.50% · 4.625%
HK$69,044
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,174/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$511,025 · Scale 2, in force from 26 Feb 2026)