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$1,939/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$977/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,874
+HK$2,001/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$937/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$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,173/mo
Today · 4.125%
HK$39,448
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,400/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,896/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,296
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,404
−HK$1,123/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$45,822
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,307
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,654
−HK$1,369/mo
Today · 4.125%
HK$46,023
baseline
▲ 0.50% · 4.625%
HK$48,823
+HK$2,800/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,046/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,179
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,471
−HK$1,311/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,458
+HK$2,676/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,681
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,413
−HK$1,759/mo
Today · 4.125%
HK$59,172
baseline
▲ 0.50% · 4.625%
HK$62,773
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,344/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,944
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,605
−HK$1,686/mo
Today · 4.125%
HK$65,291
baseline
▲ 0.50% · 4.625%
HK$68,732
+HK$3,441/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,582/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,720 · Scale 2, in force from 26 Feb 2026)