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$30,926
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,887
−HK$978/mo
Today · 4.125%
HK$32,865
baseline
▲ 0.50% · 4.625%
HK$34,865
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,730/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,404
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,327
−HK$936/mo
Today · 4.125%
HK$36,263
baseline
▲ 0.50% · 4.625%
HK$38,175
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,526/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,111
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,265
−HK$1,173/mo
Today · 4.125%
HK$39,438
baseline
▲ 0.50% · 4.625%
HK$41,838
+HK$2,400/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$78,876/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,285
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,124/mo
Today · 4.125%
HK$43,516
baseline
▲ 0.50% · 4.625%
HK$45,810
+HK$2,294/mo
Deposit HK$5.42M · loan HK$8.14M · min. income ≈ HK$87,032/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,296
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,642
−HK$1,369/mo
Today · 4.125%
HK$46,011
baseline
▲ 0.50% · 4.625%
HK$48,810
+HK$2,799/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$92,022/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,166
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,458
−HK$1,310/mo
Today · 4.125%
HK$50,768
baseline
▲ 0.50% · 4.625%
HK$53,444
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.49M · min. income ≈ HK$101,536/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,666
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,397
−HK$1,760/mo
Today · 4.125%
HK$59,157
baseline
▲ 0.50% · 4.625%
HK$62,756
+HK$3,599/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,314/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,928
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,685/mo
Today · 4.125%
HK$65,274
baseline
▲ 0.50% · 4.625%
HK$68,714
+HK$3,440/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,548/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,587 · Scale 2, in force from 26 Feb 2026)