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$30,953
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,916
−HK$978/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,435
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$937/mo
Today · 4.125%
HK$36,296
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,592/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,299
−HK$1,174/mo
Today · 4.125%
HK$39,473
baseline
▲ 0.50% · 4.625%
HK$41,875
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,946/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,322
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,431
−HK$1,124/mo
Today · 4.125%
HK$43,555
baseline
▲ 0.50% · 4.625%
HK$45,851
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,110/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,369/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,854
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,209
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,312/mo
Today · 4.125%
HK$50,814
baseline
▲ 0.50% · 4.625%
HK$53,493
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,628/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,716
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,449
−HK$1,761/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,984
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,646
−HK$1,686/mo
Today · 4.125%
HK$65,332
baseline
▲ 0.50% · 4.625%
HK$68,776
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,664/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,045 · Scale 2, in force from 26 Feb 2026)