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$30,919
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$977/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,858
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,398
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,320
−HK$936/mo
Today · 4.125%
HK$36,256
baseline
▲ 0.50% · 4.625%
HK$38,167
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,512/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,257
−HK$1,173/mo
Today · 4.125%
HK$39,430
baseline
▲ 0.50% · 4.625%
HK$41,829
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$78,860/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,277
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,384
−HK$1,123/mo
Today · 4.125%
HK$43,507
baseline
▲ 0.50% · 4.625%
HK$45,800
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$87,014/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,287
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,634
−HK$1,368/mo
Today · 4.125%
HK$46,002
baseline
▲ 0.50% · 4.625%
HK$48,801
+HK$2,799/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,004/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,157
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,448
−HK$1,310/mo
Today · 4.125%
HK$50,758
baseline
▲ 0.50% · 4.625%
HK$53,434
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,516/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,655
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,386
−HK$1,759/mo
Today · 4.125%
HK$59,145
baseline
▲ 0.50% · 4.625%
HK$62,744
+HK$3,599/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,290/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,916
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,576
−HK$1,685/mo
Today · 4.125%
HK$65,261
baseline
▲ 0.50% · 4.625%
HK$68,701
+HK$3,440/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,522/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,486 · Scale 2, in force from 26 Feb 2026)