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$31,047
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,013
−HK$981/mo
Today · 4.125%
HK$32,994
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,988/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,540
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$940/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,257
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,415
−HK$1,178/mo
Today · 4.125%
HK$39,593
baseline
▲ 0.50% · 4.625%
HK$42,002
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,186/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,448
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,128/mo
Today · 4.125%
HK$43,687
baseline
▲ 0.50% · 4.625%
HK$45,990
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,374/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,466
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,818
−HK$1,374/mo
Today · 4.125%
HK$46,192
baseline
▲ 0.50% · 4.625%
HK$49,002
+HK$2,810/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,384/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,355
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,652
−HK$1,316/mo
Today · 4.125%
HK$50,968
baseline
▲ 0.50% · 4.625%
HK$53,655
+HK$2,687/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,936/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,885
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,623
−HK$1,766/mo
Today · 4.125%
HK$59,389
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,614/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,778/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,171
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,839
−HK$1,691/mo
Today · 4.125%
HK$65,530
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,454/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$131,060/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,586 · Scale 2, in force from 26 Feb 2026)