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$30,989
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$979/mo
Today · 4.125%
HK$32,932
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,864/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,475
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$938/mo
Today · 4.125%
HK$36,338
baseline
▲ 0.50% · 4.625%
HK$38,253
+HK$1,915/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,676/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,187
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,175/mo
Today · 4.125%
HK$39,519
baseline
▲ 0.50% · 4.625%
HK$41,923
+HK$2,404/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,038/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,370
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,479
−HK$1,126/mo
Today · 4.125%
HK$43,605
baseline
▲ 0.50% · 4.625%
HK$45,904
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,210/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,385
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,371/mo
Today · 4.125%
HK$46,105
baseline
▲ 0.50% · 4.625%
HK$48,911
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,210/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,265
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,314/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,554
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,780
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,515
−HK$1,763/mo
Today · 4.125%
HK$59,278
baseline
▲ 0.50% · 4.625%
HK$62,885
+HK$3,607/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,556/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,055
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,719
−HK$1,689/mo
Today · 4.125%
HK$65,408
baseline
▲ 0.50% · 4.625%
HK$68,855
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,816/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,631 · Scale 2, in force from 26 Feb 2026)