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$30,976
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,939
−HK$979/mo
Today · 4.125%
HK$32,918
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,836/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$938/mo
Today · 4.125%
HK$36,322
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,644/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,175/mo
Today · 4.125%
HK$39,502
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,004/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,352
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,461
−HK$1,125/mo
Today · 4.125%
HK$43,586
baseline
▲ 0.50% · 4.625%
HK$45,884
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,172/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,366
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,715
−HK$1,370/mo
Today · 4.125%
HK$46,085
baseline
▲ 0.50% · 4.625%
HK$48,890
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,170/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,244
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,538
−HK$1,313/mo
Today · 4.125%
HK$50,851
baseline
▲ 0.50% · 4.625%
HK$53,531
+HK$2,680/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,702/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,756
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,491
−HK$1,762/mo
Today · 4.125%
HK$59,253
baseline
▲ 0.50% · 4.625%
HK$62,858
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,506/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,028
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,692
−HK$1,687/mo
Today · 4.125%
HK$65,379
baseline
▲ 0.50% · 4.625%
HK$68,826
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,758/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,412 · Scale 2, in force from 26 Feb 2026)