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$31,002
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$980/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,951
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$939/mo
Today · 4.125%
HK$36,353
baseline
▲ 0.50% · 4.625%
HK$38,269
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,706/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,202
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,175/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,126/mo
Today · 4.125%
HK$43,623
baseline
▲ 0.50% · 4.625%
HK$45,923
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,246/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,403
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,753
−HK$1,371/mo
Today · 4.125%
HK$46,124
baseline
▲ 0.50% · 4.625%
HK$48,931
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,248/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,285
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,580
−HK$1,314/mo
Today · 4.125%
HK$50,894
baseline
▲ 0.50% · 4.625%
HK$53,576
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,788/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,803
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,539
−HK$1,764/mo
Today · 4.125%
HK$59,303
baseline
▲ 0.50% · 4.625%
HK$62,911
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,606/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,081
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,746
−HK$1,689/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$68,884
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,843 · Scale 2, in force from 26 Feb 2026)