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$31,020
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$980/mo
Today · 4.125%
HK$32,965
baseline
▲ 0.50% · 4.625%
HK$34,971
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,930/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,509
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$939/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,382
−HK$1,176/mo
Today · 4.125%
HK$39,558
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,116/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,411
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,522
−HK$1,126/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,428
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,779
−HK$1,372/mo
Today · 4.125%
HK$46,151
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,302/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,313
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,609
−HK$1,314/mo
Today · 4.125%
HK$50,923
baseline
▲ 0.50% · 4.625%
HK$53,607
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,846/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,836
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,573
−HK$1,764/mo
Today · 4.125%
HK$59,337
baseline
▲ 0.50% · 4.625%
HK$62,948
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,674/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,117
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,783
−HK$1,690/mo
Today · 4.125%
HK$65,473
baseline
▲ 0.50% · 4.625%
HK$68,924
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,946/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,138 · Scale 2, in force from 26 Feb 2026)