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$31,040
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$981/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,993
+HK$2,007/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$939/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,248
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,178/mo
Today · 4.125%
HK$39,584
baseline
▲ 0.50% · 4.625%
HK$41,992
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,168/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,438
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,549
−HK$1,128/mo
Today · 4.125%
HK$43,677
baseline
▲ 0.50% · 4.625%
HK$45,979
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,354/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,456
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,808
−HK$1,373/mo
Today · 4.125%
HK$46,181
baseline
▲ 0.50% · 4.625%
HK$48,991
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,362/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,344
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,641
−HK$1,315/mo
Today · 4.125%
HK$50,956
baseline
▲ 0.50% · 4.625%
HK$53,642
+HK$2,686/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,912/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,872
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,610
−HK$1,765/mo
Today · 4.125%
HK$59,375
baseline
▲ 0.50% · 4.625%
HK$62,988
+HK$3,613/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,750/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,157
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,824
−HK$1,691/mo
Today · 4.125%
HK$65,515
baseline
▲ 0.50% · 4.625%
HK$68,968
+HK$3,453/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,030/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,467 · Scale 2, in force from 26 Feb 2026)