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$31,032
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,997
−HK$981/mo
Today · 4.125%
HK$32,978
baseline
▲ 0.50% · 4.625%
HK$34,984
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,956/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,522
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$940/mo
Today · 4.125%
HK$36,388
baseline
▲ 0.50% · 4.625%
HK$38,306
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,776/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,238
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,177/mo
Today · 4.125%
HK$39,573
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,146/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,127/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$45,967
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,444
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,796
−HK$1,373/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,331
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,628
−HK$1,315/mo
Today · 4.125%
HK$50,943
baseline
▲ 0.50% · 4.625%
HK$53,628
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,886/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,857
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,594
−HK$1,766/mo
Today · 4.125%
HK$59,360
baseline
▲ 0.50% · 4.625%
HK$62,972
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,720/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,140
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,807
−HK$1,691/mo
Today · 4.125%
HK$65,498
baseline
▲ 0.50% · 4.625%
HK$68,950
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,996/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,332 · Scale 2, in force from 26 Feb 2026)