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$30,964
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$978/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,448
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$938/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,157
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,313
−HK$1,174/mo
Today · 4.125%
HK$39,487
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,974/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,446
−HK$1,124/mo
Today · 4.125%
HK$43,570
baseline
▲ 0.50% · 4.625%
HK$45,867
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,140/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,350
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,699
−HK$1,370/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,227
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,520
−HK$1,312/mo
Today · 4.125%
HK$50,832
baseline
▲ 0.50% · 4.625%
HK$53,512
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,664/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,736
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,470
−HK$1,761/mo
Today · 4.125%
HK$59,231
baseline
▲ 0.50% · 4.625%
HK$62,835
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,462/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,006
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,669
−HK$1,687/mo
Today · 4.125%
HK$65,356
baseline
▲ 0.50% · 4.625%
HK$68,801
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,712/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,226 · Scale 2, in force from 26 Feb 2026)