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$30,975
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$979/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$937/mo
Today · 4.125%
HK$36,321
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,642/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,170
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,175/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,904
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,351
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,460
−HK$1,125/mo
Today · 4.125%
HK$43,585
baseline
▲ 0.50% · 4.625%
HK$45,883
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,170/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,365
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,714
−HK$1,370/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,888
+HK$2,804/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,243
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,537
−HK$1,312/mo
Today · 4.125%
HK$50,849
baseline
▲ 0.50% · 4.625%
HK$53,530
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,698/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,755
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,489
−HK$1,762/mo
Today · 4.125%
HK$59,251
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,502/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,027
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,690
−HK$1,688/mo
Today · 4.125%
HK$65,378
baseline
▲ 0.50% · 4.625%
HK$68,824
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,756/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,400 · Scale 2, in force from 26 Feb 2026)