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$31,037
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$981/mo
Today · 4.125%
HK$32,984
baseline
▲ 0.50% · 4.625%
HK$34,991
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,968/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$939/mo
Today · 4.125%
HK$36,394
baseline
▲ 0.50% · 4.625%
HK$38,313
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,788/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,245
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,403
−HK$1,177/mo
Today · 4.125%
HK$39,580
baseline
▲ 0.50% · 4.625%
HK$41,989
+HK$2,409/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,160/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,434
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,546
−HK$1,127/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$45,975
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,804
−HK$1,373/mo
Today · 4.125%
HK$46,177
baseline
▲ 0.50% · 4.625%
HK$48,987
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,354/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,340
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,637
−HK$1,315/mo
Today · 4.125%
HK$50,952
baseline
▲ 0.50% · 4.625%
HK$53,638
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,904/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,867
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,605
−HK$1,766/mo
Today · 4.125%
HK$59,371
baseline
▲ 0.50% · 4.625%
HK$62,983
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,742/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,152
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,819
−HK$1,691/mo
Today · 4.125%
HK$65,510
baseline
▲ 0.50% · 4.625%
HK$68,963
+HK$3,453/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,020/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,426 · Scale 2, in force from 26 Feb 2026)