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$30,992
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$979/mo
Today · 4.125%
HK$32,935
baseline
▲ 0.50% · 4.625%
HK$34,939
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,870/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,403
−HK$938/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$1,915/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,190
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,347
−HK$1,175/mo
Today · 4.125%
HK$39,522
baseline
▲ 0.50% · 4.625%
HK$41,927
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,044/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,374
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,483
−HK$1,126/mo
Today · 4.125%
HK$43,609
baseline
▲ 0.50% · 4.625%
HK$45,908
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,218/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,389
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,371/mo
Today · 4.125%
HK$46,109
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,218/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,269
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,564
−HK$1,313/mo
Today · 4.125%
HK$50,877
baseline
▲ 0.50% · 4.625%
HK$53,559
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,754/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,785
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,520
−HK$1,763/mo
Today · 4.125%
HK$59,283
baseline
▲ 0.50% · 4.625%
HK$62,891
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,566/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,061
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,725
−HK$1,688/mo
Today · 4.125%
HK$65,413
baseline
▲ 0.50% · 4.625%
HK$68,861
+HK$3,448/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,826/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,677 · Scale 2, in force from 26 Feb 2026)