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$30,930
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,892
−HK$977/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,409
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$936/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,180
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,116
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,270
−HK$1,173/mo
Today · 4.125%
HK$39,443
baseline
▲ 0.50% · 4.625%
HK$41,843
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,886/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,291
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,398
−HK$1,124/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$45,816
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,302
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,649
−HK$1,368/mo
Today · 4.125%
HK$46,017
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,034/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,173
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,465
−HK$1,310/mo
Today · 4.125%
HK$50,775
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,550/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,673
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,405
−HK$1,760/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,765
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,330/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,936
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,597
−HK$1,685/mo
Today · 4.125%
HK$65,282
baseline
▲ 0.50% · 4.625%
HK$68,724
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,564/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,655 · Scale 2, in force from 26 Feb 2026)