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$30,950
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,912
−HK$979/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,892
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,431
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$937/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,204
+HK$1,912/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,140
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,295
−HK$1,174/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,870
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,938/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,318
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,426
−HK$1,124/mo
Today · 4.125%
HK$43,550
baseline
▲ 0.50% · 4.625%
HK$45,845
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,100/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,330
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,370/mo
Today · 4.125%
HK$46,047
baseline
▲ 0.50% · 4.625%
HK$48,849
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,094/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,204
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,311/mo
Today · 4.125%
HK$50,808
baseline
▲ 0.50% · 4.625%
HK$53,486
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,616/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,710
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,442
−HK$1,761/mo
Today · 4.125%
HK$59,203
baseline
▲ 0.50% · 4.625%
HK$62,805
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,406/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,976
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,639
−HK$1,686/mo
Today · 4.125%
HK$65,325
baseline
▲ 0.50% · 4.625%
HK$68,768
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,650/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,985 · Scale 2, in force from 26 Feb 2026)