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$30,948
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$978/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$937/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,174/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,124/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,327
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,675
−HK$1,369/mo
Today · 4.125%
HK$46,044
baseline
▲ 0.50% · 4.625%
HK$48,845
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,088/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,201
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,312/mo
Today · 4.125%
HK$50,805
baseline
▲ 0.50% · 4.625%
HK$53,483
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,610/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,706
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,760/mo
Today · 4.125%
HK$59,199
baseline
▲ 0.50% · 4.625%
HK$62,801
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,398/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,972
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,634
−HK$1,686/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$68,764
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,952 · Scale 2, in force from 26 Feb 2026)