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$31,017
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,982
−HK$980/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,968
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,506
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,432
−HK$939/mo
Today · 4.125%
HK$36,371
baseline
▲ 0.50% · 4.625%
HK$38,288
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,742/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,221
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,177/mo
Today · 4.125%
HK$39,555
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,110/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,408
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,518
−HK$1,127/mo
Today · 4.125%
HK$43,645
baseline
▲ 0.50% · 4.625%
HK$45,945
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,290/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,424
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,775
−HK$1,372/mo
Today · 4.125%
HK$46,147
baseline
▲ 0.50% · 4.625%
HK$48,955
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,294/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,309
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,604
−HK$1,315/mo
Today · 4.125%
HK$50,919
baseline
▲ 0.50% · 4.625%
HK$53,603
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,838/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,831
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,764/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,942
+HK$3,610/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,111
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,777
−HK$1,690/mo
Today · 4.125%
HK$65,467
baseline
▲ 0.50% · 4.625%
HK$68,918
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,934/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,094 · Scale 2, in force from 26 Feb 2026)