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$30,970
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$979/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$938/mo
Today · 4.125%
HK$36,315
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,630/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,320
−HK$1,174/mo
Today · 4.125%
HK$39,494
baseline
▲ 0.50% · 4.625%
HK$41,897
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,988/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,344
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,453
−HK$1,125/mo
Today · 4.125%
HK$43,578
baseline
▲ 0.50% · 4.625%
HK$45,875
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,156/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,370/mo
Today · 4.125%
HK$46,076
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,152/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,235
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,313/mo
Today · 4.125%
HK$50,841
baseline
▲ 0.50% · 4.625%
HK$53,521
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,682/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,745
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,479
−HK$1,762/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,846
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,688/mo
Today · 4.125%
HK$65,367
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,734/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,313 · Scale 2, in force from 26 Feb 2026)