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$30,955
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,918
−HK$979/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,898
+HK$2,001/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,438
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,361
−HK$937/mo
Today · 4.125%
HK$36,298
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,596/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,147
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,302
−HK$1,174/mo
Today · 4.125%
HK$39,476
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,952/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,325
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,434
−HK$1,124/mo
Today · 4.125%
HK$43,558
baseline
▲ 0.50% · 4.625%
HK$45,854
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,116/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,338
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,686
−HK$1,369/mo
Today · 4.125%
HK$46,055
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,110/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,213
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,311/mo
Today · 4.125%
HK$50,817
baseline
▲ 0.50% · 4.625%
HK$53,496
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,634/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,720
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,453
−HK$1,761/mo
Today · 4.125%
HK$59,214
baseline
▲ 0.50% · 4.625%
HK$62,817
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,428/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,988
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,650
−HK$1,687/mo
Today · 4.125%
HK$65,337
baseline
▲ 0.50% · 4.625%
HK$68,781
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,674/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,079 · Scale 2, in force from 26 Feb 2026)