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$30,935
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$978/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$936/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,186
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,122
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,277
−HK$1,173/mo
Today · 4.125%
HK$39,450
baseline
▲ 0.50% · 4.625%
HK$41,850
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,900/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,298
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,405
−HK$1,124/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$45,823
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,309
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,656
−HK$1,369/mo
Today · 4.125%
HK$46,025
baseline
▲ 0.50% · 4.625%
HK$48,825
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,050/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,181
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,473
−HK$1,311/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,683
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,415
−HK$1,760/mo
Today · 4.125%
HK$59,175
baseline
▲ 0.50% · 4.625%
HK$62,775
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,350/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,947
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,608
−HK$1,685/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$68,735
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,741 · Scale 2, in force from 26 Feb 2026)