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$30,938
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,900
−HK$978/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,878
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,418
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$936/mo
Today · 4.125%
HK$36,277
baseline
▲ 0.50% · 4.625%
HK$38,190
+HK$1,913/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,554/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,125
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,280
−HK$1,173/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,854
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,302
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,124/mo
Today · 4.125%
HK$43,533
baseline
▲ 0.50% · 4.625%
HK$45,828
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,066/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,313
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,660
−HK$1,369/mo
Today · 4.125%
HK$46,029
baseline
▲ 0.50% · 4.625%
HK$48,830
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,058/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,185
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,477
−HK$1,311/mo
Today · 4.125%
HK$50,788
baseline
▲ 0.50% · 4.625%
HK$53,466
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,576/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,688
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,420
−HK$1,760/mo
Today · 4.125%
HK$59,180
baseline
▲ 0.50% · 4.625%
HK$62,781
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,360/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,952
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,614
−HK$1,685/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$68,741
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,788 · Scale 2, in force from 26 Feb 2026)