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$30,926
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,888
−HK$978/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,405
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,328
−HK$936/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,266
−HK$1,173/mo
Today · 4.125%
HK$39,439
baseline
▲ 0.50% · 4.625%
HK$41,839
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,878/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,286
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,394
−HK$1,123/mo
Today · 4.125%
HK$43,517
baseline
▲ 0.50% · 4.625%
HK$45,811
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,034/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,644
−HK$1,368/mo
Today · 4.125%
HK$46,012
baseline
▲ 0.50% · 4.625%
HK$48,812
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,024/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,167
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,459
−HK$1,311/mo
Today · 4.125%
HK$50,770
baseline
▲ 0.50% · 4.625%
HK$53,446
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,540/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,668
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,399
−HK$1,759/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,758
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,930
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,591
−HK$1,684/mo
Today · 4.125%
HK$65,275
baseline
▲ 0.50% · 4.625%
HK$68,716
+HK$3,441/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,550/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,602 · Scale 2, in force from 26 Feb 2026)