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$30,932
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$978/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$936/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,273
−HK$1,173/mo
Today · 4.125%
HK$39,446
baseline
▲ 0.50% · 4.625%
HK$41,847
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,892/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,294
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,123/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,305
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,652
−HK$1,369/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,821
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,176
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,469
−HK$1,310/mo
Today · 4.125%
HK$50,779
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,558/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,678
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,410
−HK$1,759/mo
Today · 4.125%
HK$59,169
baseline
▲ 0.50% · 4.625%
HK$62,770
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,338/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,941
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,686/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$68,729
+HK$3,441/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,696 · Scale 2, in force from 26 Feb 2026)