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$31,029
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$981/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,520
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$940/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,235
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,393
−HK$1,177/mo
Today · 4.125%
HK$39,570
baseline
▲ 0.50% · 4.625%
HK$41,978
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,140/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,424
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,127/mo
Today · 4.125%
HK$43,661
baseline
▲ 0.50% · 4.625%
HK$45,963
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,322/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,441
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,792
−HK$1,373/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,974
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,327
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,624
−HK$1,314/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$53,623
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,852
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,590
−HK$1,765/mo
Today · 4.125%
HK$59,355
baseline
▲ 0.50% · 4.625%
HK$62,966
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,710/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,135
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,802
−HK$1,690/mo
Today · 4.125%
HK$65,492
baseline
▲ 0.50% · 4.625%
HK$68,944
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,984/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,291 · Scale 2, in force from 26 Feb 2026)