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$31,014
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$980/mo
Today · 4.125%
HK$32,959
baseline
▲ 0.50% · 4.625%
HK$34,965
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,918/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$939/mo
Today · 4.125%
HK$36,367
baseline
▲ 0.50% · 4.625%
HK$38,284
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,734/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,217
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,375
−HK$1,176/mo
Today · 4.125%
HK$39,551
baseline
▲ 0.50% · 4.625%
HK$41,958
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,102/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,404
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,127/mo
Today · 4.125%
HK$43,641
baseline
▲ 0.50% · 4.625%
HK$45,941
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,282/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,372/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,951
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,304
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,314/mo
Today · 4.125%
HK$50,914
baseline
▲ 0.50% · 4.625%
HK$53,598
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,828/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,826
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,765/mo
Today · 4.125%
HK$59,327
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,609/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,654/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,106
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,771
−HK$1,690/mo
Today · 4.125%
HK$65,461
baseline
▲ 0.50% · 4.625%
HK$68,912
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,922/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,047 · Scale 2, in force from 26 Feb 2026)