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$30,942
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$978/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$2,000/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,423
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$937/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$1,912/mo
Deposit HK$6.78M · loan HK$6.78M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,173/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,401/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,308
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,124/mo
Today · 4.125%
HK$43,539
baseline
▲ 0.50% · 4.625%
HK$45,834
+HK$2,295/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,078/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,319
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,667
−HK$1,369/mo
Today · 4.125%
HK$46,036
baseline
▲ 0.50% · 4.625%
HK$48,837
+HK$2,801/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,072/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,192
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,485
−HK$1,311/mo
Today · 4.125%
HK$50,796
baseline
▲ 0.50% · 4.625%
HK$53,473
+HK$2,677/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,592/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,696
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,428
−HK$1,761/mo
Today · 4.125%
HK$59,189
baseline
▲ 0.50% · 4.625%
HK$62,790
+HK$3,601/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$118,378/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,961
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,623
−HK$1,686/mo
Today · 4.125%
HK$65,309
baseline
▲ 0.50% · 4.625%
HK$68,751
+HK$3,442/mo
Deposit HK$1.36M · loan HK$12.21M · min. income ≈ HK$130,618/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$508,862 · Scale 2, in force from 26 Feb 2026)