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$30,947
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$978/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$937/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,201
+HK$1,912/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,174/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,314
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,422
−HK$1,124/mo
Today · 4.125%
HK$43,546
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,092/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,326
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,369/mo
Today · 4.125%
HK$46,043
baseline
▲ 0.50% · 4.625%
HK$48,845
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,086/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,200
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,311/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,482
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,705
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,438
−HK$1,760/mo
Today · 4.125%
HK$59,198
baseline
▲ 0.50% · 4.625%
HK$62,800
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,396/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,971
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,634
−HK$1,686/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$68,763
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,945 · Scale 2, in force from 26 Feb 2026)