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$31,024
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$981/mo
Today · 4.125%
HK$32,970
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,940/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,514
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,440
−HK$939/mo
Today · 4.125%
HK$36,379
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,758/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,229
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,177/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,127/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,434
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,785
−HK$1,373/mo
Today · 4.125%
HK$46,158
baseline
▲ 0.50% · 4.625%
HK$48,966
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,316/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,320
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,616
−HK$1,314/mo
Today · 4.125%
HK$50,930
baseline
▲ 0.50% · 4.625%
HK$53,615
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,860/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,844
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,581
−HK$1,765/mo
Today · 4.125%
HK$59,346
baseline
▲ 0.50% · 4.625%
HK$62,957
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,692/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,126
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,792
−HK$1,690/mo
Today · 4.125%
HK$65,482
baseline
▲ 0.50% · 4.625%
HK$68,934
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,964/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,210 · Scale 2, in force from 26 Feb 2026)