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$30,899
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,860
−HK$976/mo
Today · 4.125%
HK$32,836
baseline
▲ 0.50% · 4.625%
HK$34,834
+HK$1,998/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,672/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,374
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,296
−HK$936/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,141
+HK$1,909/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,078
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,232
−HK$1,171/mo
Today · 4.125%
HK$39,403
baseline
▲ 0.50% · 4.625%
HK$41,801
+HK$2,398/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,806/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,249
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,356
−HK$1,122/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$45,770
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,258
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,604
−HK$1,367/mo
Today · 4.125%
HK$45,971
baseline
▲ 0.50% · 4.625%
HK$48,768
+HK$2,797/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,942/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,124
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,415
−HK$1,309/mo
Today · 4.125%
HK$50,724
baseline
▲ 0.50% · 4.625%
HK$53,398
+HK$2,674/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,448/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,617
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,348
−HK$1,757/mo
Today · 4.125%
HK$59,105
baseline
▲ 0.50% · 4.625%
HK$62,702
+HK$3,597/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,210/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,874
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,533
−HK$1,684/mo
Today · 4.125%
HK$65,217
baseline
▲ 0.50% · 4.625%
HK$68,654
+HK$3,437/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,434/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,144 · Scale 2, in force from 26 Feb 2026)