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$31,020
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$980/mo
Today · 4.125%
HK$32,965
baseline
▲ 0.50% · 4.625%
HK$34,971
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,930/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,509
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$938/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$1,918/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,177/mo
Today · 4.125%
HK$39,558
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,407/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,116/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,411
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,127/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,301/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,427
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,373/mo
Today · 4.125%
HK$46,151
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,808/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,302/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,313
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,608
−HK$1,315/mo
Today · 4.125%
HK$50,923
baseline
▲ 0.50% · 4.625%
HK$53,607
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,846/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,835
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,572
−HK$1,765/mo
Today · 4.125%
HK$59,337
baseline
▲ 0.50% · 4.625%
HK$62,947
+HK$3,610/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,674/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,116
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,782
−HK$1,690/mo
Today · 4.125%
HK$65,472
baseline
▲ 0.50% · 4.625%
HK$68,923
+HK$3,451/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,944/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$510,134 · Scale 2, in force from 26 Feb 2026)