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$30,921
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,883
−HK$977/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,860
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,400
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,322
−HK$936/mo
Today · 4.125%
HK$36,258
baseline
▲ 0.50% · 4.625%
HK$38,169
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,516/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,260
−HK$1,172/mo
Today · 4.125%
HK$39,432
baseline
▲ 0.50% · 4.625%
HK$41,832
+HK$2,400/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$78,864/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,280
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,387
−HK$1,123/mo
Today · 4.125%
HK$43,510
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$87,020/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,636
−HK$1,368/mo
Today · 4.125%
HK$46,004
baseline
▲ 0.50% · 4.625%
HK$48,804
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,008/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,159
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,310/mo
Today · 4.125%
HK$50,761
baseline
▲ 0.50% · 4.625%
HK$53,437
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,522/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,658
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,390
−HK$1,759/mo
Today · 4.125%
HK$59,149
baseline
▲ 0.50% · 4.625%
HK$62,748
+HK$3,599/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,298/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,919
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,580
−HK$1,685/mo
Today · 4.125%
HK$65,265
baseline
▲ 0.50% · 4.625%
HK$68,705
+HK$3,440/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,530/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,517 · Scale 2, in force from 26 Feb 2026)