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$30,933
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$977/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$2,001/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$936/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,274
−HK$1,173/mo
Today · 4.125%
HK$39,447
baseline
▲ 0.50% · 4.625%
HK$41,847
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,894/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,295
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,124/mo
Today · 4.125%
HK$43,526
baseline
▲ 0.50% · 4.625%
HK$45,820
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,052/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,653
−HK$1,368/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,822
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,177
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,469
−HK$1,311/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,457
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,411
−HK$1,759/mo
Today · 4.125%
HK$59,170
baseline
▲ 0.50% · 4.625%
HK$62,771
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,340/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,942
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,603
−HK$1,686/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$68,730
+HK$3,441/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,704 · Scale 2, in force from 26 Feb 2026)