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$31,009
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,973
−HK$980/mo
Today · 4.125%
HK$32,953
baseline
▲ 0.50% · 4.625%
HK$34,959
+HK$2,006/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,906/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,497
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,422
−HK$939/mo
Today · 4.125%
HK$36,361
baseline
▲ 0.50% · 4.625%
HK$38,277
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,722/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,211
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,368
−HK$1,176/mo
Today · 4.125%
HK$39,544
baseline
▲ 0.50% · 4.625%
HK$41,950
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,088/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,396
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,507
−HK$1,126/mo
Today · 4.125%
HK$43,633
baseline
▲ 0.50% · 4.625%
HK$45,933
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,266/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,412
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,372/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,942
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,314/mo
Today · 4.125%
HK$50,905
baseline
▲ 0.50% · 4.625%
HK$53,588
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,810/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,816
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,552
−HK$1,764/mo
Today · 4.125%
HK$59,316
baseline
▲ 0.50% · 4.625%
HK$62,925
+HK$3,609/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,632/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,095
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,760
−HK$1,689/mo
Today · 4.125%
HK$65,449
baseline
▲ 0.50% · 4.625%
HK$68,899
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,898/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,957 · Scale 2, in force from 26 Feb 2026)