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$30,950
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$978/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,432
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,356
−HK$936/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,296
−HK$1,174/mo
Today · 4.125%
HK$39,470
baseline
▲ 0.50% · 4.625%
HK$41,871
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,940/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,319
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,427
−HK$1,124/mo
Today · 4.125%
HK$43,551
baseline
▲ 0.50% · 4.625%
HK$45,846
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,102/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,331
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,370/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,850
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,205
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,498
−HK$1,311/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,488
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,711
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,444
−HK$1,760/mo
Today · 4.125%
HK$59,204
baseline
▲ 0.50% · 4.625%
HK$62,807
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,408/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,978
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,640
−HK$1,686/mo
Today · 4.125%
HK$65,326
baseline
▲ 0.50% · 4.625%
HK$68,770
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,652/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,997 · Scale 2, in force from 26 Feb 2026)