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$31,030
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,995
−HK$981/mo
Today · 4.125%
HK$32,976
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$2,007/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,952/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$939/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,304
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,236
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,395
−HK$1,176/mo
Today · 4.125%
HK$39,571
baseline
▲ 0.50% · 4.625%
HK$41,979
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,142/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,127/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$45,965
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,442
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,794
−HK$1,373/mo
Today · 4.125%
HK$46,167
baseline
▲ 0.50% · 4.625%
HK$48,976
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,334/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,329
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,625
−HK$1,315/mo
Today · 4.125%
HK$50,940
baseline
▲ 0.50% · 4.625%
HK$53,625
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,880/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,854
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,592
−HK$1,765/mo
Today · 4.125%
HK$59,357
baseline
▲ 0.50% · 4.625%
HK$62,969
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,714/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,138
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,804
−HK$1,691/mo
Today · 4.125%
HK$65,495
baseline
▲ 0.50% · 4.625%
HK$68,947
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,990/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,309 · Scale 2, in force from 26 Feb 2026)