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$30,961
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,924
−HK$979/mo
Today · 4.125%
HK$32,903
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,806/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,444
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,368
−HK$937/mo
Today · 4.125%
HK$36,305
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,610/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,153
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,174/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,885
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,333
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,441
−HK$1,125/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,345
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,694
−HK$1,370/mo
Today · 4.125%
HK$46,064
baseline
▲ 0.50% · 4.625%
HK$48,866
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,128/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,221
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,515
−HK$1,312/mo
Today · 4.125%
HK$50,827
baseline
▲ 0.50% · 4.625%
HK$53,506
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,654/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,730
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,463
−HK$1,762/mo
Today · 4.125%
HK$59,225
baseline
▲ 0.50% · 4.625%
HK$62,828
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,450/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,999
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,662
−HK$1,686/mo
Today · 4.125%
HK$65,348
baseline
▲ 0.50% · 4.625%
HK$68,793
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,696/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,170 · Scale 2, in force from 26 Feb 2026)