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$30,990
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$979/mo
Today · 4.125%
HK$32,933
baseline
▲ 0.50% · 4.625%
HK$34,937
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,866/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,476
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,401
−HK$938/mo
Today · 4.125%
HK$36,339
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$1,915/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,678/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,175/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,126/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,298/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,386
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,736
−HK$1,371/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,267
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,561
−HK$1,313/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,556
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,748/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,517
−HK$1,763/mo
Today · 4.125%
HK$59,280
baseline
▲ 0.50% · 4.625%
HK$62,887
+HK$3,607/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,560/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,057
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,721
−HK$1,689/mo
Today · 4.125%
HK$65,410
baseline
▲ 0.50% · 4.625%
HK$68,858
+HK$3,448/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,820/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,648 · Scale 2, in force from 26 Feb 2026)