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$30,984
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,948
−HK$979/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,931
+HK$2,004/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,469
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,394
−HK$938/mo
Today · 4.125%
HK$36,332
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,664/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,181
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,337
−HK$1,175/mo
Today · 4.125%
HK$39,512
baseline
▲ 0.50% · 4.625%
HK$41,917
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,024/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,363
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,473
−HK$1,125/mo
Today · 4.125%
HK$43,598
baseline
▲ 0.50% · 4.625%
HK$45,896
+HK$2,298/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,196/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,378
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,371/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,257
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,551
−HK$1,313/mo
Today · 4.125%
HK$50,864
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,728/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,771
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,506
−HK$1,763/mo
Today · 4.125%
HK$59,269
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,538/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,045
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,688/mo
Today · 4.125%
HK$65,397
baseline
▲ 0.50% · 4.625%
HK$68,844
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,794/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,549 · Scale 2, in force from 26 Feb 2026)