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$31,976
−HK$981/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$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,500
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,426
−HK$938/mo
Today · 4.125%
HK$36,364
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,728/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,176/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,406/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$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,126/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,417
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,372/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,300
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,596
−HK$1,314/mo
Today · 4.125%
HK$50,910
baseline
▲ 0.50% · 4.625%
HK$53,593
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,820/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,821
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,558
−HK$1,764/mo
Today · 4.125%
HK$59,322
baseline
▲ 0.50% · 4.625%
HK$62,931
+HK$3,609/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,644/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,101
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,766
−HK$1,690/mo
Today · 4.125%
HK$65,456
baseline
▲ 0.50% · 4.625%
HK$68,906
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,912/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,006 · Scale 2, in force from 26 Feb 2026)