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$30,975
−HK$1,943/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$509,406 · 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$509,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,170
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,174/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,406 · 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$45,883
+HK$2,297/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$509,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,366
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,714
−HK$1,371/mo
Today · 4.125%
HK$46,085
baseline
▲ 0.50% · 4.625%
HK$48,889
+HK$2,804/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$509,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,244
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,538
−HK$1,312/mo
Today · 4.125%
HK$50,850
baseline
▲ 0.50% · 4.625%
HK$53,531
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,700/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,756
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,490
−HK$1,762/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,028
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,691
−HK$1,688/mo
Today · 4.125%
HK$65,379
baseline
▲ 0.50% · 4.625%
HK$68,825
+HK$3,446/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$509,406 · Scale 2, in force from 26 Feb 2026)