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$31,000
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$980/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$938/mo
Today · 4.125%
HK$36,350
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,700/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,200
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,176/mo
Today · 4.125%
HK$39,533
baseline
▲ 0.50% · 4.625%
HK$41,938
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,066/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,385
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,495
−HK$1,126/mo
Today · 4.125%
HK$43,621
baseline
▲ 0.50% · 4.625%
HK$45,920
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,242/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,400
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,372/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,928
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,244/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,282
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,577
−HK$1,314/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,573
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,800
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,763/mo
Today · 4.125%
HK$59,299
baseline
▲ 0.50% · 4.625%
HK$62,907
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,598/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,077
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,742
−HK$1,689/mo
Today · 4.125%
HK$65,431
baseline
▲ 0.50% · 4.625%
HK$68,880
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,862/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,813 · Scale 2, in force from 26 Feb 2026)