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$31,065
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$981/mo
Today · 4.125%
HK$33,013
baseline
▲ 0.50% · 4.625%
HK$35,022
+HK$2,009/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$66,026/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$940/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,347
+HK$1,920/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,438
−HK$1,178/mo
Today · 4.125%
HK$39,616
baseline
▲ 0.50% · 4.625%
HK$42,027
+HK$2,411/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,232/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,472
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,584
−HK$1,128/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,304/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,375/mo
Today · 4.125%
HK$46,219
baseline
▲ 0.50% · 4.625%
HK$49,031
+HK$2,812/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$92,438/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,384
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,681
−HK$1,317/mo
Today · 4.125%
HK$50,998
baseline
▲ 0.50% · 4.625%
HK$53,686
+HK$2,688/mo
Deposit HK$4.09M · loan HK$9.54M · min. income ≈ HK$101,996/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,917
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,657
−HK$1,767/mo
Today · 4.125%
HK$59,424
baseline
▲ 0.50% · 4.625%
HK$63,040
+HK$3,616/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,848/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,208
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,876
−HK$1,693/mo
Today · 4.125%
HK$65,569
baseline
▲ 0.50% · 4.625%
HK$69,025
+HK$3,456/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,138/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,885 · Scale 2, in force from 26 Feb 2026)