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$30,963
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$979/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,907
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,446
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,370
−HK$937/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,221
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,311
−HK$1,175/mo
Today · 4.125%
HK$39,486
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,972/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,335
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,444
−HK$1,124/mo
Today · 4.125%
HK$43,568
baseline
▲ 0.50% · 4.625%
HK$45,865
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,136/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,697
−HK$1,370/mo
Today · 4.125%
HK$46,067
baseline
▲ 0.50% · 4.625%
HK$48,870
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,134/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,518
−HK$1,312/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,509
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,467
−HK$1,761/mo
Today · 4.125%
HK$59,228
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,456/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,003
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,687/mo
Today · 4.125%
HK$65,353
baseline
▲ 0.50% · 4.625%
HK$68,798
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,706/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,204 · Scale 2, in force from 26 Feb 2026)