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$31,024
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$980/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,975
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,513
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$939/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,228
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,177/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,970
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,416
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,127/mo
Today · 4.125%
HK$43,654
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,308/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,373/mo
Today · 4.125%
HK$46,157
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,314/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,319
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,314/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,842
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,579
−HK$1,765/mo
Today · 4.125%
HK$59,344
baseline
▲ 0.50% · 4.625%
HK$62,955
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,688/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,124
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,790
−HK$1,690/mo
Today · 4.125%
HK$65,480
baseline
▲ 0.50% · 4.625%
HK$68,932
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,960/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,198 · Scale 2, in force from 26 Feb 2026)