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$30,949
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,912
−HK$978/mo
Today · 4.125%
HK$32,890
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,780/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,354
−HK$937/mo
Today · 4.125%
HK$36,291
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$1,912/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,582/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,174/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,869
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,316
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,425
−HK$1,124/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$45,844
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,370/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,495
−HK$1,312/mo
Today · 4.125%
HK$50,807
baseline
▲ 0.50% · 4.625%
HK$53,485
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,614/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,708
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,441
−HK$1,761/mo
Today · 4.125%
HK$59,202
baseline
▲ 0.50% · 4.625%
HK$62,804
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,404/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,975
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,637
−HK$1,686/mo
Today · 4.125%
HK$65,323
baseline
▲ 0.50% · 4.625%
HK$68,766
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,646/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,972 · Scale 2, in force from 26 Feb 2026)