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$30,902
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$977/mo
Today · 4.125%
HK$32,840
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,998/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,680/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,378
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,300
−HK$936/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,146
+HK$1,910/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,172/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,398/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,254
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,360
−HK$1,123/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,263
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,367/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,773
+HK$2,797/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,130
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,420
−HK$1,310/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,404
+HK$2,674/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,624
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,354
−HK$1,758/mo
Today · 4.125%
HK$59,112
baseline
▲ 0.50% · 4.625%
HK$62,709
+HK$3,597/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,224/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,881
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,540
−HK$1,684/mo
Today · 4.125%
HK$65,224
baseline
▲ 0.50% · 4.625%
HK$68,662
+HK$3,438/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,448/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,201 · Scale 2, in force from 26 Feb 2026)