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$30,953
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$979/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,895
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,358
−HK$937/mo
Today · 4.125%
HK$36,295
baseline
▲ 0.50% · 4.625%
HK$38,208
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,590/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,143
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,298
−HK$1,174/mo
Today · 4.125%
HK$39,472
baseline
▲ 0.50% · 4.625%
HK$41,874
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,944/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,321
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,429
−HK$1,125/mo
Today · 4.125%
HK$43,554
baseline
▲ 0.50% · 4.625%
HK$45,849
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,108/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,334
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,681
−HK$1,370/mo
Today · 4.125%
HK$46,051
baseline
▲ 0.50% · 4.625%
HK$48,853
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,102/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,208
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,501
−HK$1,312/mo
Today · 4.125%
HK$50,813
baseline
▲ 0.50% · 4.625%
HK$53,491
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,626/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,715
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,448
−HK$1,760/mo
Today · 4.125%
HK$59,208
baseline
▲ 0.50% · 4.625%
HK$62,811
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,416/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,982
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,644
−HK$1,687/mo
Today · 4.125%
HK$65,331
baseline
▲ 0.50% · 4.625%
HK$68,774
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,662/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,031 · Scale 2, in force from 26 Feb 2026)