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$30,952
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$979/mo
Today · 4.125%
HK$32,893
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,786/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,433
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$937/mo
Today · 4.125%
HK$36,294
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,588/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,142
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,174/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,124/mo
Today · 4.125%
HK$43,552
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.14M · min. income ≈ HK$87,104/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,332
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,680
−HK$1,370/mo
Today · 4.125%
HK$46,050
baseline
▲ 0.50% · 4.625%
HK$48,852
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,100/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,207
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,500
−HK$1,311/mo
Today · 4.125%
HK$50,811
baseline
▲ 0.50% · 4.625%
HK$53,490
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,622/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,713
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,446
−HK$1,761/mo
Today · 4.125%
HK$59,207
baseline
▲ 0.50% · 4.625%
HK$62,809
+HK$3,602/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,414/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,980
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,642
−HK$1,687/mo
Today · 4.125%
HK$65,329
baseline
▲ 0.50% · 4.625%
HK$68,772
+HK$3,443/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,658/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,016 · Scale 2, in force from 26 Feb 2026)