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$31,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$982/mo
Today · 4.125%
HK$33,020
baseline
▲ 0.50% · 4.625%
HK$35,029
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,040/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,566
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,493
−HK$941/mo
Today · 4.125%
HK$36,434
baseline
▲ 0.50% · 4.625%
HK$38,354
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,868/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,285
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,445
−HK$1,179/mo
Today · 4.125%
HK$39,624
baseline
▲ 0.50% · 4.625%
HK$42,035
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$79,248/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,480
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,592
−HK$1,129/mo
Today · 4.125%
HK$43,721
baseline
▲ 0.50% · 4.625%
HK$46,025
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.18M · min. income ≈ HK$87,442/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,375/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$49,040
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,691
−HK$1,317/mo
Today · 4.125%
HK$51,008
baseline
▲ 0.50% · 4.625%
HK$53,696
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$102,016/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,928
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,668
−HK$1,767/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$63,052
+HK$3,617/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,220
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,888
−HK$1,693/mo
Today · 4.125%
HK$65,581
baseline
▲ 0.50% · 4.625%
HK$69,038
+HK$3,457/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,162/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,983 · Scale 2, in force from 26 Feb 2026)