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$30,901
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$977/mo
Today · 4.125%
HK$32,839
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,998/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,678/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,377
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$936/mo
Today · 4.125%
HK$36,235
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$1,910/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,470/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,172/mo
Today · 4.125%
HK$39,407
baseline
▲ 0.50% · 4.625%
HK$41,805
+HK$2,398/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,814/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,253
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,123/mo
Today · 4.125%
HK$43,482
baseline
▲ 0.50% · 4.625%
HK$45,774
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,964/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,607
−HK$1,368/mo
Today · 4.125%
HK$45,975
baseline
▲ 0.50% · 4.625%
HK$48,772
+HK$2,797/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,950/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,128
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,419
−HK$1,310/mo
Today · 4.125%
HK$50,729
baseline
▲ 0.50% · 4.625%
HK$53,403
+HK$2,674/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,458/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,622
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,352
−HK$1,758/mo
Today · 4.125%
HK$59,110
baseline
▲ 0.50% · 4.625%
HK$62,707
+HK$3,597/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,220/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,879
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,539
−HK$1,683/mo
Today · 4.125%
HK$65,222
baseline
▲ 0.50% · 4.625%
HK$68,660
+HK$3,438/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,444/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,188 · Scale 2, in force from 26 Feb 2026)