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$31,053
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,019
−HK$981/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,546
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$940/mo
Today · 4.125%
HK$36,413
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,826/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,264
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,423
−HK$1,177/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,567
−HK$1,128/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$45,998
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,474
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,827
−HK$1,373/mo
Today · 4.125%
HK$46,200
baseline
▲ 0.50% · 4.625%
HK$49,012
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,400/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,365
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,662
−HK$1,316/mo
Today · 4.125%
HK$50,978
baseline
▲ 0.50% · 4.625%
HK$53,665
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,956/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,895
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,634
−HK$1,767/mo
Today · 4.125%
HK$59,401
baseline
▲ 0.50% · 4.625%
HK$63,015
+HK$3,614/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,802/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,183
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,851
−HK$1,692/mo
Today · 4.125%
HK$65,543
baseline
▲ 0.50% · 4.625%
HK$68,998
+HK$3,455/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,086/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,684 · Scale 2, in force from 26 Feb 2026)