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$30,945
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$978/mo
Today · 4.125%
HK$32,886
baseline
▲ 0.50% · 4.625%
HK$34,887
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,772/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$937/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,199
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,134
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,174/mo
Today · 4.125%
HK$39,463
baseline
▲ 0.50% · 4.625%
HK$41,864
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,926/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,311
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,124/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$45,838
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,323
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,671
−HK$1,369/mo
Today · 4.125%
HK$46,040
baseline
▲ 0.50% · 4.625%
HK$48,841
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,080/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,197
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,489
−HK$1,311/mo
Today · 4.125%
HK$50,800
baseline
▲ 0.50% · 4.625%
HK$53,478
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,600/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,701
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,434
−HK$1,760/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,967
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,686/mo
Today · 4.125%
HK$65,315
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,630/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,908 · Scale 2, in force from 26 Feb 2026)