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$31,031
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,996
−HK$981/mo
Today · 4.125%
HK$32,977
baseline
▲ 0.50% · 4.625%
HK$34,984
+HK$2,007/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,954/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,522
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$939/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,238
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,177/mo
Today · 4.125%
HK$39,573
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$79,146/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,426
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,537
−HK$1,127/mo
Today · 4.125%
HK$43,664
baseline
▲ 0.50% · 4.625%
HK$45,966
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.17M · min. income ≈ HK$87,328/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,444
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,795
−HK$1,373/mo
Today · 4.125%
HK$46,168
baseline
▲ 0.50% · 4.625%
HK$48,977
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$92,336/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,331
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,627
−HK$1,315/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$53,627
+HK$2,685/mo
Deposit HK$4.08M · loan HK$9.53M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,856
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,594
−HK$1,765/mo
Today · 4.125%
HK$59,359
baseline
▲ 0.50% · 4.625%
HK$62,971
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,718/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,140
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,806
−HK$1,691/mo
Today · 4.125%
HK$65,497
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,994/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,326 · Scale 2, in force from 26 Feb 2026)