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$30,982
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,946
−HK$979/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,929
+HK$2,004/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$938/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,179
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,335
−HK$1,175/mo
Today · 4.125%
HK$39,510
baseline
▲ 0.50% · 4.625%
HK$41,914
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,020/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,361
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,470
−HK$1,126/mo
Today · 4.125%
HK$43,596
baseline
▲ 0.50% · 4.625%
HK$45,894
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,192/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,725
−HK$1,370/mo
Today · 4.125%
HK$46,095
baseline
▲ 0.50% · 4.625%
HK$48,900
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,190/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,255
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,549
−HK$1,313/mo
Today · 4.125%
HK$50,862
baseline
▲ 0.50% · 4.625%
HK$53,543
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,724/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,768
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,503
−HK$1,763/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,872
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,042
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,688/mo
Today · 4.125%
HK$65,394
baseline
▲ 0.50% · 4.625%
HK$68,841
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,788/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,523 · Scale 2, in force from 26 Feb 2026)