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$31,067
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,033
−HK$982/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$35,024
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$941/mo
Today · 4.125%
HK$36,429
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,858/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,280
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,178/mo
Today · 4.125%
HK$39,618
baseline
▲ 0.50% · 4.625%
HK$42,028
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,236/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,586
−HK$1,128/mo
Today · 4.125%
HK$43,714
baseline
▲ 0.50% · 4.625%
HK$46,018
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,428/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,493
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,846
−HK$1,375/mo
Today · 4.125%
HK$46,221
baseline
▲ 0.50% · 4.625%
HK$49,033
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,442/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,386
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,317/mo
Today · 4.125%
HK$51,000
baseline
▲ 0.50% · 4.625%
HK$53,688
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,000/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,920
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,659
−HK$1,768/mo
Today · 4.125%
HK$59,427
baseline
▲ 0.50% · 4.625%
HK$63,042
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,854/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,210
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,879
−HK$1,692/mo
Today · 4.125%
HK$65,571
baseline
▲ 0.50% · 4.625%
HK$69,028
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,142/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,907 · Scale 2, in force from 26 Feb 2026)