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$30,973
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,936
−HK$979/mo
Today · 4.125%
HK$32,915
baseline
▲ 0.50% · 4.625%
HK$34,918
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,830/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,457
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,381
−HK$938/mo
Today · 4.125%
HK$36,319
baseline
▲ 0.50% · 4.625%
HK$38,233
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,638/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,174/mo
Today · 4.125%
HK$39,498
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,996/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,348
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,457
−HK$1,125/mo
Today · 4.125%
HK$43,582
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,164/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,362
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,370/mo
Today · 4.125%
HK$46,081
baseline
▲ 0.50% · 4.625%
HK$48,885
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,162/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,240
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,312/mo
Today · 4.125%
HK$50,846
baseline
▲ 0.50% · 4.625%
HK$53,526
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,692/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,751
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,485
−HK$1,762/mo
Today · 4.125%
HK$59,247
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,494/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,023
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,686
−HK$1,688/mo
Today · 4.125%
HK$65,374
baseline
▲ 0.50% · 4.625%
HK$68,820
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,748/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,367 · Scale 2, in force from 26 Feb 2026)