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$31,012
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,977
−HK$980/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,962
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,501
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,426
−HK$939/mo
Today · 4.125%
HK$36,365
baseline
▲ 0.50% · 4.625%
HK$38,282
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,730/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,215
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,176/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,955
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,127/mo
Today · 4.125%
HK$43,638
baseline
▲ 0.50% · 4.625%
HK$45,938
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,276/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,417
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,372/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,301
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,597
−HK$1,314/mo
Today · 4.125%
HK$50,911
baseline
▲ 0.50% · 4.625%
HK$53,594
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,822/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,822
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,558
−HK$1,765/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,932
+HK$3,609/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,101
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,767
−HK$1,690/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$68,907
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,013 · Scale 2, in force from 26 Feb 2026)