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$31,027
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,992
−HK$980/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$2,007/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,517
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$939/mo
Today · 4.125%
HK$36,382
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,764/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,232
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,390
−HK$1,177/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,408/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,420
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,127/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,302/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,438
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,789
−HK$1,372/mo
Today · 4.125%
HK$46,161
baseline
▲ 0.50% · 4.625%
HK$48,970
+HK$2,809/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,322/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,324
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,620
−HK$1,315/mo
Today · 4.125%
HK$50,935
baseline
▲ 0.50% · 4.625%
HK$53,619
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,870/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,848
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,585
−HK$1,765/mo
Today · 4.125%
HK$59,350
baseline
▲ 0.50% · 4.625%
HK$62,962
+HK$3,612/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$118,700/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,131
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,797
−HK$1,690/mo
Today · 4.125%
HK$65,487
baseline
▲ 0.50% · 4.625%
HK$68,939
+HK$3,452/mo
Deposit HK$1.36M · loan HK$12.25M · min. income ≈ HK$130,974/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,253 · Scale 2, in force from 26 Feb 2026)