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$30,934
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$978/mo
Today · 4.125%
HK$32,874
baseline
▲ 0.50% · 4.625%
HK$34,874
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,748/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,414
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,337
−HK$936/mo
Today · 4.125%
HK$36,273
baseline
▲ 0.50% · 4.625%
HK$38,185
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,546/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,121
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,173/mo
Today · 4.125%
HK$39,449
baseline
▲ 0.50% · 4.625%
HK$41,849
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,898/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,297
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,404
−HK$1,124/mo
Today · 4.125%
HK$43,528
baseline
▲ 0.50% · 4.625%
HK$45,822
+HK$2,294/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,056/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,308
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,655
−HK$1,369/mo
Today · 4.125%
HK$46,024
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,048/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,180
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,472
−HK$1,311/mo
Today · 4.125%
HK$50,783
baseline
▲ 0.50% · 4.625%
HK$53,459
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,566/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,682
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,759/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,774
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,945
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,607
−HK$1,685/mo
Today · 4.125%
HK$65,292
baseline
▲ 0.50% · 4.625%
HK$68,734
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,584/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,730 · Scale 2, in force from 26 Feb 2026)