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$30,941
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$978/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$2,001/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,421
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$937/mo
Today · 4.125%
HK$36,281
baseline
▲ 0.50% · 4.625%
HK$38,193
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,562/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,173/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,858
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,306
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,413
−HK$1,124/mo
Today · 4.125%
HK$43,537
baseline
▲ 0.50% · 4.625%
HK$45,832
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,074/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,317
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,665
−HK$1,368/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,190
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,311/mo
Today · 4.125%
HK$50,793
baseline
▲ 0.50% · 4.625%
HK$53,471
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,586/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,426
−HK$1,760/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,787
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,958
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,620
−HK$1,686/mo
Today · 4.125%
HK$65,306
baseline
▲ 0.50% · 4.625%
HK$68,748
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,612/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,838 · Scale 2, in force from 26 Feb 2026)