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$30,933
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$977/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$936/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,173/mo
Today · 4.125%
HK$39,448
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,896/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,296
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,124/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$45,821
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,307
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,654
−HK$1,368/mo
Today · 4.125%
HK$46,022
baseline
▲ 0.50% · 4.625%
HK$48,823
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,044/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,178
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,470
−HK$1,311/mo
Today · 4.125%
HK$50,781
baseline
▲ 0.50% · 4.625%
HK$53,458
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,562/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,680
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,760/mo
Today · 4.125%
HK$59,172
baseline
▲ 0.50% · 4.625%
HK$62,772
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,344/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,944
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,605
−HK$1,685/mo
Today · 4.125%
HK$65,290
baseline
▲ 0.50% · 4.625%
HK$68,732
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,580/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,716 · Scale 2, in force from 26 Feb 2026)