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$31,059
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$981/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$35,015
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,553
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$940/mo
Today · 4.125%
HK$36,420
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,840/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,271
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,431
−HK$1,177/mo
Today · 4.125%
HK$39,608
baseline
▲ 0.50% · 4.625%
HK$42,019
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,216/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,464
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,576
−HK$1,128/mo
Today · 4.125%
HK$43,704
baseline
▲ 0.50% · 4.625%
HK$46,008
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,408/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,374/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$49,022
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,375
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,316/mo
Today · 4.125%
HK$50,988
baseline
▲ 0.50% · 4.625%
HK$53,676
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,976/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,907
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,767/mo
Today · 4.125%
HK$59,413
baseline
▲ 0.50% · 4.625%
HK$63,028
+HK$3,615/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,826/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,196
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,692/mo
Today · 4.125%
HK$65,556
baseline
▲ 0.50% · 4.625%
HK$69,012
+HK$3,456/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,112/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,788 · Scale 2, in force from 26 Feb 2026)