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$30,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$979/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$937/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,235
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,169
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,325
−HK$1,175/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,904
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,350
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,459
−HK$1,126/mo
Today · 4.125%
HK$43,585
baseline
▲ 0.50% · 4.625%
HK$45,882
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,170/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,364
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,713
−HK$1,371/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,888
+HK$2,804/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,242
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,536
−HK$1,313/mo
Today · 4.125%
HK$50,849
baseline
▲ 0.50% · 4.625%
HK$53,529
+HK$2,680/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,698/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,488
−HK$1,762/mo
Today · 4.125%
HK$59,250
baseline
▲ 0.50% · 4.625%
HK$62,855
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,500/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,026
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,689
−HK$1,688/mo
Today · 4.125%
HK$65,377
baseline
▲ 0.50% · 4.625%
HK$68,823
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,754/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,391 · Scale 2, in force from 26 Feb 2026)