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$30,906
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,867
−HK$977/mo
Today · 4.125%
HK$32,844
baseline
▲ 0.50% · 4.625%
HK$34,842
+HK$1,998/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,688/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,382
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$936/mo
Today · 4.125%
HK$36,240
baseline
▲ 0.50% · 4.625%
HK$38,150
+HK$1,910/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,480/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,240
−HK$1,173/mo
Today · 4.125%
HK$39,413
baseline
▲ 0.50% · 4.625%
HK$41,811
+HK$2,398/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,826/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,259
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,123/mo
Today · 4.125%
HK$43,488
baseline
▲ 0.50% · 4.625%
HK$45,780
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,976/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,268
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,614
−HK$1,367/mo
Today · 4.125%
HK$45,981
baseline
▲ 0.50% · 4.625%
HK$48,779
+HK$2,798/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,962/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,135
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,426
−HK$1,310/mo
Today · 4.125%
HK$50,736
baseline
▲ 0.50% · 4.625%
HK$53,410
+HK$2,674/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,472/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,630
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,361
−HK$1,758/mo
Today · 4.125%
HK$59,119
baseline
▲ 0.50% · 4.625%
HK$62,716
+HK$3,597/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,238/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,888
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,548
−HK$1,684/mo
Today · 4.125%
HK$65,232
baseline
▲ 0.50% · 4.625%
HK$68,670
+HK$3,438/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,464/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,261 · Scale 2, in force from 26 Feb 2026)