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$31,005
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,970
−HK$980/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,955
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$939/mo
Today · 4.125%
HK$36,357
baseline
▲ 0.50% · 4.625%
HK$38,273
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,714/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,206
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,364
−HK$1,176/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,945
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,392
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,502
−HK$1,126/mo
Today · 4.125%
HK$43,628
baseline
▲ 0.50% · 4.625%
HK$45,928
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,256/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,408
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,758
−HK$1,372/mo
Today · 4.125%
HK$46,130
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,260/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,586
−HK$1,313/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,810
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,546
−HK$1,763/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,918
+HK$3,609/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,088
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,753
−HK$1,689/mo
Today · 4.125%
HK$65,442
baseline
▲ 0.50% · 4.625%
HK$68,892
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,884/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,900 · Scale 2, in force from 26 Feb 2026)