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$30,937
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,899
−HK$978/mo
Today · 4.125%
HK$32,877
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,754/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,417
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,340
−HK$936/mo
Today · 4.125%
HK$36,276
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,552/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,124
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,279
−HK$1,173/mo
Today · 4.125%
HK$39,452
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,904/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,300
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,408
−HK$1,123/mo
Today · 4.125%
HK$43,531
baseline
▲ 0.50% · 4.625%
HK$45,826
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,062/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,311
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,658
−HK$1,369/mo
Today · 4.125%
HK$46,027
baseline
▲ 0.50% · 4.625%
HK$48,828
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,054/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,183
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,476
−HK$1,311/mo
Today · 4.125%
HK$50,787
baseline
▲ 0.50% · 4.625%
HK$53,464
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,574/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,686
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,418
−HK$1,760/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,779
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,950
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,611
−HK$1,686/mo
Today · 4.125%
HK$65,297
baseline
▲ 0.50% · 4.625%
HK$68,739
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,594/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,769 · Scale 2, in force from 26 Feb 2026)