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$31,052
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,018
−HK$981/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$35,007
+HK$2,008/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,545
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,471
−HK$940/mo
Today · 4.125%
HK$36,411
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$1,919/mo
Deposit HK$6.81M · loan HK$6.81M · min. income ≈ HK$72,822/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,178/mo
Today · 4.125%
HK$39,599
baseline
▲ 0.50% · 4.625%
HK$42,008
+HK$2,409/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$79,198/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,454
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,565
−HK$1,128/mo
Today · 4.125%
HK$43,693
baseline
▲ 0.50% · 4.625%
HK$45,996
+HK$2,303/mo
Deposit HK$5.45M · loan HK$8.17M · min. income ≈ HK$87,386/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,472
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,825
−HK$1,373/mo
Today · 4.125%
HK$46,198
baseline
▲ 0.50% · 4.625%
HK$49,009
+HK$2,811/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$92,396/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,363
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,660
−HK$1,315/mo
Today · 4.125%
HK$50,975
baseline
▲ 0.50% · 4.625%
HK$53,662
+HK$2,687/mo
Deposit HK$4.09M · loan HK$9.53M · min. income ≈ HK$101,950/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,893
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,632
−HK$1,766/mo
Today · 4.125%
HK$59,398
baseline
▲ 0.50% · 4.625%
HK$63,012
+HK$3,614/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$118,796/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,180
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,848
−HK$1,692/mo
Today · 4.125%
HK$65,540
baseline
▲ 0.50% · 4.625%
HK$68,994
+HK$3,454/mo
Deposit HK$1.36M · loan HK$12.26M · min. income ≈ HK$131,080/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,661 · Scale 2, in force from 26 Feb 2026)