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$30,940
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,902
−HK$978/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,881
+HK$2,001/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,420
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$936/mo
Today · 4.125%
HK$36,280
baseline
▲ 0.50% · 4.625%
HK$38,192
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,560/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,128
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,283
−HK$1,173/mo
Today · 4.125%
HK$39,456
baseline
▲ 0.50% · 4.625%
HK$41,857
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,912/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,304
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,124/mo
Today · 4.125%
HK$43,536
baseline
▲ 0.50% · 4.625%
HK$45,831
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,072/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,316
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,663
−HK$1,369/mo
Today · 4.125%
HK$46,032
baseline
▲ 0.50% · 4.625%
HK$48,833
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,064/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,189
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,481
−HK$1,311/mo
Today · 4.125%
HK$50,792
baseline
▲ 0.50% · 4.625%
HK$53,469
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,584/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,692
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,760/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,786
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,957
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,618
−HK$1,686/mo
Today · 4.125%
HK$65,304
baseline
▲ 0.50% · 4.625%
HK$68,746
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,608/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,824 · Scale 2, in force from 26 Feb 2026)