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$30,960
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$978/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$937/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,217
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,175/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,331
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,125/mo
Today · 4.125%
HK$43,564
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,128/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,344
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,692
−HK$1,370/mo
Today · 4.125%
HK$46,062
baseline
▲ 0.50% · 4.625%
HK$48,865
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,124/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,513
−HK$1,312/mo
Today · 4.125%
HK$50,825
baseline
▲ 0.50% · 4.625%
HK$53,504
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,650/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,728
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,461
−HK$1,761/mo
Today · 4.125%
HK$59,222
baseline
▲ 0.50% · 4.625%
HK$62,826
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,444/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,996
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,659
−HK$1,687/mo
Today · 4.125%
HK$65,346
baseline
▲ 0.50% · 4.625%
HK$68,790
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,692/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,151 · Scale 2, in force from 26 Feb 2026)