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$30,978
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,941
−HK$979/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,462
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$937/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,239
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,173
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,174/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,908
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,125/mo
Today · 4.125%
HK$43,589
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,178/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,369
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,370/mo
Today · 4.125%
HK$46,088
baseline
▲ 0.50% · 4.625%
HK$48,893
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,176/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,247
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,541
−HK$1,313/mo
Today · 4.125%
HK$50,854
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,708/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,760
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,494
−HK$1,763/mo
Today · 4.125%
HK$59,257
baseline
▲ 0.50% · 4.625%
HK$62,862
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,514/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,032
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,696
−HK$1,688/mo
Today · 4.125%
HK$65,384
baseline
▲ 0.50% · 4.625%
HK$68,830
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,768/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,446 · Scale 2, in force from 26 Feb 2026)