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$30,968
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$979/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$938/mo
Today · 4.125%
HK$36,313
baseline
▲ 0.50% · 4.625%
HK$38,227
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,626/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,161
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,317
−HK$1,175/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,895
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,450
−HK$1,125/mo
Today · 4.125%
HK$43,575
baseline
▲ 0.50% · 4.625%
HK$45,872
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,150/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,355
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,371/mo
Today · 4.125%
HK$46,074
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,148/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,232
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,525
−HK$1,313/mo
Today · 4.125%
HK$50,838
baseline
▲ 0.50% · 4.625%
HK$53,517
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,676/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,742
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,476
−HK$1,762/mo
Today · 4.125%
HK$59,238
baseline
▲ 0.50% · 4.625%
HK$62,842
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,476/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,012
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,687/mo
Today · 4.125%
HK$65,363
baseline
▲ 0.50% · 4.625%
HK$68,808
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,726/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,282 · Scale 2, in force from 26 Feb 2026)