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$30,943
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$978/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,884
+HK$2,001/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,423
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$937/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,196
+HK$1,913/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,173/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,308
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,124/mo
Today · 4.125%
HK$43,540
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,080/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,320
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,667
−HK$1,369/mo
Today · 4.125%
HK$46,036
baseline
▲ 0.50% · 4.625%
HK$48,837
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,072/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,193
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,485
−HK$1,311/mo
Today · 4.125%
HK$50,796
baseline
▲ 0.50% · 4.625%
HK$53,474
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,592/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,697
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,429
−HK$1,760/mo
Today · 4.125%
HK$59,189
baseline
▲ 0.50% · 4.625%
HK$62,791
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,378/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,962
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,624
−HK$1,685/mo
Today · 4.125%
HK$65,309
baseline
▲ 0.50% · 4.625%
HK$68,752
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,618/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,866 · Scale 2, in force from 26 Feb 2026)