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$30,957
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$978/mo
Today · 4.125%
HK$32,898
baseline
▲ 0.50% · 4.625%
HK$34,900
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,796/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,439
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,363
−HK$937/mo
Today · 4.125%
HK$36,300
baseline
▲ 0.50% · 4.625%
HK$38,213
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,600/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,174/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,880
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,327
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,436
−HK$1,124/mo
Today · 4.125%
HK$43,560
baseline
▲ 0.50% · 4.625%
HK$45,856
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,120/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,340
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,688
−HK$1,369/mo
Today · 4.125%
HK$46,057
baseline
▲ 0.50% · 4.625%
HK$48,860
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,114/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,215
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,508
−HK$1,312/mo
Today · 4.125%
HK$50,820
baseline
▲ 0.50% · 4.625%
HK$53,499
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,640/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,722
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,456
−HK$1,761/mo
Today · 4.125%
HK$59,217
baseline
▲ 0.50% · 4.625%
HK$62,820
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,434/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,991
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,653
−HK$1,687/mo
Today · 4.125%
HK$65,340
baseline
▲ 0.50% · 4.625%
HK$68,784
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,680/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,103 · Scale 2, in force from 26 Feb 2026)