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$30,905
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$977/mo
Today · 4.125%
HK$32,843
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,998/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,686/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,381
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$936/mo
Today · 4.125%
HK$36,239
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$1,910/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,478/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,086
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,172/mo
Today · 4.125%
HK$39,411
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,822/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,123/mo
Today · 4.125%
HK$43,487
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,974/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,613
−HK$1,367/mo
Today · 4.125%
HK$45,980
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,798/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,960/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,425
−HK$1,309/mo
Today · 4.125%
HK$50,734
baseline
▲ 0.50% · 4.625%
HK$53,409
+HK$2,675/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,468/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,629
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,359
−HK$1,758/mo
Today · 4.125%
HK$59,117
baseline
▲ 0.50% · 4.625%
HK$62,714
+HK$3,597/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,234/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,886
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,546
−HK$1,684/mo
Today · 4.125%
HK$65,230
baseline
▲ 0.50% · 4.625%
HK$68,668
+HK$3,438/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,460/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,247 · Scale 2, in force from 26 Feb 2026)