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$30,966
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$979/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,373
−HK$938/mo
Today · 4.125%
HK$36,311
baseline
▲ 0.50% · 4.625%
HK$38,225
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,622/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,315
−HK$1,174/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,339
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,448
−HK$1,125/mo
Today · 4.125%
HK$43,573
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,146/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,352
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,701
−HK$1,370/mo
Today · 4.125%
HK$46,071
baseline
▲ 0.50% · 4.625%
HK$48,874
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,142/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,229
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,523
−HK$1,312/mo
Today · 4.125%
HK$50,835
baseline
▲ 0.50% · 4.625%
HK$53,514
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,670/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,739
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,473
−HK$1,761/mo
Today · 4.125%
HK$59,234
baseline
▲ 0.50% · 4.625%
HK$62,838
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,468/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,009
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,672
−HK$1,687/mo
Today · 4.125%
HK$65,359
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,718/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,253 · Scale 2, in force from 26 Feb 2026)