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$30,948
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$978/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,353
−HK$937/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,138
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,293
−HK$1,174/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,316
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,124/mo
Today · 4.125%
HK$43,548
baseline
▲ 0.50% · 4.625%
HK$45,843
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,096/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,328
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,675
−HK$1,370/mo
Today · 4.125%
HK$46,045
baseline
▲ 0.50% · 4.625%
HK$48,846
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,090/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,202
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,494
−HK$1,312/mo
Today · 4.125%
HK$50,806
baseline
▲ 0.50% · 4.625%
HK$53,484
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,612/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,707
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,440
−HK$1,760/mo
Today · 4.125%
HK$59,200
baseline
▲ 0.50% · 4.625%
HK$62,803
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,400/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,973
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,636
−HK$1,686/mo
Today · 4.125%
HK$65,322
baseline
▲ 0.50% · 4.625%
HK$68,765
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,644/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,962 · Scale 2, in force from 26 Feb 2026)