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$30,923
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,885
−HK$977/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,862
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,402
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$935/mo
Today · 4.125%
HK$36,260
baseline
▲ 0.50% · 4.625%
HK$38,172
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,520/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,108
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,262
−HK$1,173/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,834
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,282
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,389
−HK$1,124/mo
Today · 4.125%
HK$43,513
baseline
▲ 0.50% · 4.625%
HK$45,806
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$87,026/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,293
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,639
−HK$1,368/mo
Today · 4.125%
HK$46,007
baseline
▲ 0.50% · 4.625%
HK$48,807
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,014/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,163
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,454
−HK$1,311/mo
Today · 4.125%
HK$50,765
baseline
▲ 0.50% · 4.625%
HK$53,441
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,530/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,662
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,393
−HK$1,759/mo
Today · 4.125%
HK$59,152
baseline
▲ 0.50% · 4.625%
HK$62,752
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,304/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,923
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,584
−HK$1,685/mo
Today · 4.125%
HK$65,269
baseline
▲ 0.50% · 4.625%
HK$68,709
+HK$3,440/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,538/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,550 · Scale 2, in force from 26 Feb 2026)