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$30,916
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,877
−HK$977/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,853
+HK$1,999/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,393
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,316
−HK$935/mo
Today · 4.125%
HK$36,251
baseline
▲ 0.50% · 4.625%
HK$38,162
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,502/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,172/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,272
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,123/mo
Today · 4.125%
HK$43,502
baseline
▲ 0.50% · 4.625%
HK$45,795
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$87,004/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,282
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,628
−HK$1,368/mo
Today · 4.125%
HK$45,996
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,799/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,992/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,151
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,442
−HK$1,310/mo
Today · 4.125%
HK$50,752
baseline
▲ 0.50% · 4.625%
HK$53,427
+HK$2,675/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,504/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,379
−HK$1,759/mo
Today · 4.125%
HK$59,138
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,598/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,276/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,908
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,568
−HK$1,685/mo
Today · 4.125%
HK$65,253
baseline
▲ 0.50% · 4.625%
HK$68,692
+HK$3,439/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,506/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,423 · Scale 2, in force from 26 Feb 2026)