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$30,944
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,906
−HK$978/mo
Today · 4.125%
HK$32,884
baseline
▲ 0.50% · 4.625%
HK$34,885
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,768/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,425
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,348
−HK$936/mo
Today · 4.125%
HK$36,284
baseline
▲ 0.50% · 4.625%
HK$38,197
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,568/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,132
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,288
−HK$1,173/mo
Today · 4.125%
HK$39,461
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,922/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,124/mo
Today · 4.125%
HK$43,541
baseline
▲ 0.50% · 4.625%
HK$45,836
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,082/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,321
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,669
−HK$1,369/mo
Today · 4.125%
HK$46,038
baseline
▲ 0.50% · 4.625%
HK$48,839
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,076/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,194
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,311/mo
Today · 4.125%
HK$50,798
baseline
▲ 0.50% · 4.625%
HK$53,476
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,596/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,699
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,431
−HK$1,761/mo
Today · 4.125%
HK$59,192
baseline
▲ 0.50% · 4.625%
HK$62,793
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,384/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,964
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,686/mo
Today · 4.125%
HK$65,312
baseline
▲ 0.50% · 4.625%
HK$68,755
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,624/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,886 · Scale 2, in force from 26 Feb 2026)