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$509,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,476
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$938/mo
Today · 4.125%
HK$36,338
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,676/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,176/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,404/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$509,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,125/mo
Today · 4.125%
HK$43,606
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,212/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,386
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,735
−HK$1,371/mo
Today · 4.125%
HK$46,106
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,212/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,266
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,561
−HK$1,313/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,555
+HK$2,681/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$509,644 · 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$509,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,056
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,721
−HK$1,688/mo
Today · 4.125%
HK$65,409
baseline
▲ 0.50% · 4.625%
HK$68,857
+HK$3,448/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,818/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,644 · Scale 2, in force from 26 Feb 2026)