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$31,021
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$980/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,511
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,436
−HK$939/mo
Today · 4.125%
HK$36,375
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,750/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,225
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,383
−HK$1,177/mo
Today · 4.125%
HK$39,560
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,120/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,523
−HK$1,127/mo
Today · 4.125%
HK$43,650
baseline
▲ 0.50% · 4.625%
HK$45,951
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,300/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,429
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,373/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,961
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,314/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$53,609
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,838
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,764/mo
Today · 4.125%
HK$59,339
baseline
▲ 0.50% · 4.625%
HK$62,950
+HK$3,611/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,678/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,119
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,785
−HK$1,690/mo
Today · 4.125%
HK$65,475
baseline
▲ 0.50% · 4.625%
HK$68,926
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,950/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,158 · Scale 2, in force from 26 Feb 2026)