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$31,016
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$981/mo
Today · 4.125%
HK$32,961
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,922/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,430
−HK$939/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,286
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,176/mo
Today · 4.125%
HK$39,553
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,106/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,127/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,773
−HK$1,372/mo
Today · 4.125%
HK$46,145
baseline
▲ 0.50% · 4.625%
HK$48,953
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,290/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,602
−HK$1,314/mo
Today · 4.125%
HK$50,916
baseline
▲ 0.50% · 4.625%
HK$53,600
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,832/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,828
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,565
−HK$1,764/mo
Today · 4.125%
HK$59,329
baseline
▲ 0.50% · 4.625%
HK$62,939
+HK$3,610/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,658/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,774
−HK$1,690/mo
Today · 4.125%
HK$65,464
baseline
▲ 0.50% · 4.625%
HK$68,915
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,928/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,069 · Scale 2, in force from 26 Feb 2026)