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$30,918
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$977/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,396
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$936/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$1,911/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,101
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,255
−HK$1,173/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,399/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,123/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,293/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,285
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,631
−HK$1,368/mo
Today · 4.125%
HK$45,999
baseline
▲ 0.50% · 4.625%
HK$48,798
+HK$2,799/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$91,998/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,154
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,445
−HK$1,310/mo
Today · 4.125%
HK$50,755
baseline
▲ 0.50% · 4.625%
HK$53,431
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,510/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,652
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,383
−HK$1,759/mo
Today · 4.125%
HK$59,142
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,598/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$118,284/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,912
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,572
−HK$1,685/mo
Today · 4.125%
HK$65,257
baseline
▲ 0.50% · 4.625%
HK$68,697
+HK$3,440/mo
Deposit HK$1.36M · loan HK$12.20M · min. income ≈ HK$130,514/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,457 · Scale 2, in force from 26 Feb 2026)