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$31,057
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$981/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$940/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,269
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,428
−HK$1,178/mo
Today · 4.125%
HK$39,606
baseline
▲ 0.50% · 4.625%
HK$42,016
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,212/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,461
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,573
−HK$1,128/mo
Today · 4.125%
HK$43,701
baseline
▲ 0.50% · 4.625%
HK$46,005
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,402/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,480
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,374/mo
Today · 4.125%
HK$46,207
baseline
▲ 0.50% · 4.625%
HK$49,019
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,414/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,669
−HK$1,316/mo
Today · 4.125%
HK$50,985
baseline
▲ 0.50% · 4.625%
HK$53,672
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,970/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,903
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,642
−HK$1,767/mo
Today · 4.125%
HK$59,409
baseline
▲ 0.50% · 4.625%
HK$63,024
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,818/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,192
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,860
−HK$1,692/mo
Today · 4.125%
HK$65,552
baseline
▲ 0.50% · 4.625%
HK$69,007
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,104/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,757 · Scale 2, in force from 26 Feb 2026)