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$30,999
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$980/mo
Today · 4.125%
HK$32,943
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,886/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,486
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$938/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,266
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,199
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,356
−HK$1,176/mo
Today · 4.125%
HK$39,532
baseline
▲ 0.50% · 4.625%
HK$41,937
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,064/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,384
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,493
−HK$1,126/mo
Today · 4.125%
HK$43,619
baseline
▲ 0.50% · 4.625%
HK$45,919
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,238/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,371/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,927
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,281
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,576
−HK$1,313/mo
Today · 4.125%
HK$50,889
baseline
▲ 0.50% · 4.625%
HK$53,572
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,778/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,799
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,534
−HK$1,764/mo
Today · 4.125%
HK$59,298
baseline
▲ 0.50% · 4.625%
HK$62,906
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,596/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,075
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,740
−HK$1,689/mo
Today · 4.125%
HK$65,429
baseline
▲ 0.50% · 4.625%
HK$68,878
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,858/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,798 · Scale 2, in force from 26 Feb 2026)