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$30,954
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$979/mo
Today · 4.125%
HK$32,896
baseline
▲ 0.50% · 4.625%
HK$34,897
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,792/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,436
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,360
−HK$937/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,210
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,145
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,174/mo
Today · 4.125%
HK$39,475
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,950/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,324
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,432
−HK$1,124/mo
Today · 4.125%
HK$43,556
baseline
▲ 0.50% · 4.625%
HK$45,852
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,112/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,336
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,370/mo
Today · 4.125%
HK$46,054
baseline
▲ 0.50% · 4.625%
HK$48,856
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,108/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,211
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,504
−HK$1,312/mo
Today · 4.125%
HK$50,816
baseline
▲ 0.50% · 4.625%
HK$53,494
+HK$2,678/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,632/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,718
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,451
−HK$1,761/mo
Today · 4.125%
HK$59,212
baseline
▲ 0.50% · 4.625%
HK$62,815
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,424/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,986
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,648
−HK$1,687/mo
Today · 4.125%
HK$65,335
baseline
▲ 0.50% · 4.625%
HK$68,778
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,670/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,062 · Scale 2, in force from 26 Feb 2026)