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$31,051
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$982/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$35,006
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,543
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,470
−HK$940/mo
Today · 4.125%
HK$36,410
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,820/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,261
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,420
−HK$1,177/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$42,007
+HK$2,410/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,128/mo
Today · 4.125%
HK$43,692
baseline
▲ 0.50% · 4.625%
HK$45,995
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,384/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,471
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,823
−HK$1,374/mo
Today · 4.125%
HK$46,197
baseline
▲ 0.50% · 4.625%
HK$49,008
+HK$2,811/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,394/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,361
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,658
−HK$1,316/mo
Today · 4.125%
HK$50,974
baseline
▲ 0.50% · 4.625%
HK$53,661
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,948/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,891
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,630
−HK$1,766/mo
Today · 4.125%
HK$59,396
baseline
▲ 0.50% · 4.625%
HK$63,010
+HK$3,614/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,792/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,178
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,846
−HK$1,692/mo
Today · 4.125%
HK$65,538
baseline
▲ 0.50% · 4.625%
HK$68,992
+HK$3,454/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,076/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,643 · Scale 2, in force from 26 Feb 2026)