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$31,000
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$980/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$938/mo
Today · 4.125%
HK$36,350
baseline
▲ 0.50% · 4.625%
HK$38,266
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,700/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,200
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,175/mo
Today · 4.125%
HK$39,532
baseline
▲ 0.50% · 4.625%
HK$41,938
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,064/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,384
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,494
−HK$1,126/mo
Today · 4.125%
HK$43,620
baseline
▲ 0.50% · 4.625%
HK$45,919
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,240/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,400
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,371/mo
Today · 4.125%
HK$46,121
baseline
▲ 0.50% · 4.625%
HK$48,928
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,242/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,282
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,577
−HK$1,313/mo
Today · 4.125%
HK$50,890
baseline
▲ 0.50% · 4.625%
HK$53,573
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,780/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,799
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,535
−HK$1,764/mo
Today · 4.125%
HK$59,299
baseline
▲ 0.50% · 4.625%
HK$62,907
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,598/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,076
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,741
−HK$1,689/mo
Today · 4.125%
HK$65,430
baseline
▲ 0.50% · 4.625%
HK$68,879
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,860/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,807 · Scale 2, in force from 26 Feb 2026)