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$31,001
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$980/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,488
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,413
−HK$938/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,175/mo
Today · 4.125%
HK$39,533
baseline
▲ 0.50% · 4.625%
HK$41,939
+HK$2,406/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$509,820 · 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$45,921
+HK$2,300/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$509,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,371/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,929
+HK$2,807/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$509,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,283
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,578
−HK$1,313/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,574
+HK$2,683/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$509,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,801
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,537
−HK$1,763/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,908
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,078
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,743
−HK$1,689/mo
Today · 4.125%
HK$65,432
baseline
▲ 0.50% · 4.625%
HK$68,881
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,864/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,820 · Scale 2, in force from 26 Feb 2026)