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$30,903
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$977/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,998/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$936/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$1,910/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,237
−HK$1,172/mo
Today · 4.125%
HK$39,409
baseline
▲ 0.50% · 4.625%
HK$41,807
+HK$2,398/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,818/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,255
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,122/mo
Today · 4.125%
HK$43,484
baseline
▲ 0.50% · 4.625%
HK$45,776
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,968/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,264
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,610
−HK$1,367/mo
Today · 4.125%
HK$45,977
baseline
▲ 0.50% · 4.625%
HK$48,775
+HK$2,798/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,954/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,131
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,422
−HK$1,309/mo
Today · 4.125%
HK$50,731
baseline
▲ 0.50% · 4.625%
HK$53,405
+HK$2,674/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,462/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,356
−HK$1,758/mo
Today · 4.125%
HK$59,114
baseline
▲ 0.50% · 4.625%
HK$62,711
+HK$3,597/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,228/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,883
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,542
−HK$1,684/mo
Today · 4.125%
HK$65,226
baseline
▲ 0.50% · 4.625%
HK$68,664
+HK$3,438/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,452/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,216 · Scale 2, in force from 26 Feb 2026)