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$30,930
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$977/mo
Today · 4.125%
HK$32,870
baseline
▲ 0.50% · 4.625%
HK$34,870
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,740/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,410
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,333
−HK$936/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,181
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,116
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,271
−HK$1,173/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,292
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,399
−HK$1,124/mo
Today · 4.125%
HK$43,523
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,046/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,303
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,650
−HK$1,368/mo
Today · 4.125%
HK$46,018
baseline
▲ 0.50% · 4.625%
HK$48,818
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,036/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,174
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,466
−HK$1,310/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,453
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,675
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,407
−HK$1,759/mo
Today · 4.125%
HK$59,166
baseline
▲ 0.50% · 4.625%
HK$62,766
+HK$3,600/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,332/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,938
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,599
−HK$1,685/mo
Today · 4.125%
HK$65,284
baseline
▲ 0.50% · 4.625%
HK$68,725
+HK$3,441/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,568/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,667 · Scale 2, in force from 26 Feb 2026)