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$30,979
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$979/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,924
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,388
−HK$937/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,240
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,174
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,331
−HK$1,174/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,909
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,356
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,465
−HK$1,125/mo
Today · 4.125%
HK$43,590
baseline
▲ 0.50% · 4.625%
HK$45,888
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,180/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,371/mo
Today · 4.125%
HK$46,090
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,804/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,180/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,543
−HK$1,312/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,536
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,761
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,496
−HK$1,762/mo
Today · 4.125%
HK$59,258
baseline
▲ 0.50% · 4.625%
HK$62,864
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,516/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,034
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,698
−HK$1,687/mo
Today · 4.125%
HK$65,385
baseline
▲ 0.50% · 4.625%
HK$68,832
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,770/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,458 · Scale 2, in force from 26 Feb 2026)