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$30,947
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$978/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,428
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$937/mo
Today · 4.125%
HK$36,288
baseline
▲ 0.50% · 4.625%
HK$38,201
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,576/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,136
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,291
−HK$1,174/mo
Today · 4.125%
HK$39,465
baseline
▲ 0.50% · 4.625%
HK$41,866
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,930/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,314
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,422
−HK$1,124/mo
Today · 4.125%
HK$43,546
baseline
▲ 0.50% · 4.625%
HK$45,841
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,092/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,326
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,369/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,844
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,199
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,492
−HK$1,311/mo
Today · 4.125%
HK$50,803
baseline
▲ 0.50% · 4.625%
HK$53,481
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,606/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,704
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,437
−HK$1,760/mo
Today · 4.125%
HK$59,197
baseline
▲ 0.50% · 4.625%
HK$62,800
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,394/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,971
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,633
−HK$1,686/mo
Today · 4.125%
HK$65,319
baseline
▲ 0.50% · 4.625%
HK$68,762
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,638/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,938 · Scale 2, in force from 26 Feb 2026)