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$30,918
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,880
−HK$977/mo
Today · 4.125%
HK$32,857
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$1,999/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,714/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,396
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,319
−HK$936/mo
Today · 4.125%
HK$36,255
baseline
▲ 0.50% · 4.625%
HK$38,166
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,510/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,102
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,256
−HK$1,173/mo
Today · 4.125%
HK$39,429
baseline
▲ 0.50% · 4.625%
HK$41,828
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$78,858/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,276
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,383
−HK$1,123/mo
Today · 4.125%
HK$43,506
baseline
▲ 0.50% · 4.625%
HK$45,799
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$87,012/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,286
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,632
−HK$1,368/mo
Today · 4.125%
HK$46,000
baseline
▲ 0.50% · 4.625%
HK$48,799
+HK$2,799/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,000/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,155
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,446
−HK$1,311/mo
Today · 4.125%
HK$50,757
baseline
▲ 0.50% · 4.625%
HK$53,432
+HK$2,675/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,514/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,653
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,384
−HK$1,759/mo
Today · 4.125%
HK$59,143
baseline
▲ 0.50% · 4.625%
HK$62,742
+HK$3,599/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,286/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,913
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,574
−HK$1,684/mo
Today · 4.125%
HK$65,258
baseline
▲ 0.50% · 4.625%
HK$68,698
+HK$3,440/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,516/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,469 · Scale 2, in force from 26 Feb 2026)