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$30,980
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$979/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,465
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,389
−HK$938/mo
Today · 4.125%
HK$36,327
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,654/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,332
−HK$1,175/mo
Today · 4.125%
HK$39,507
baseline
▲ 0.50% · 4.625%
HK$41,911
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,014/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,358
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,467
−HK$1,125/mo
Today · 4.125%
HK$43,592
baseline
▲ 0.50% · 4.625%
HK$45,890
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,184/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,372
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,721
−HK$1,371/mo
Today · 4.125%
HK$46,092
baseline
▲ 0.50% · 4.625%
HK$48,896
+HK$2,804/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,184/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,251
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,313/mo
Today · 4.125%
HK$50,858
baseline
▲ 0.50% · 4.625%
HK$53,539
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,716/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,764
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,499
−HK$1,762/mo
Today · 4.125%
HK$59,261
baseline
▲ 0.50% · 4.625%
HK$62,867
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,522/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,037
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,701
−HK$1,688/mo
Today · 4.125%
HK$65,389
baseline
▲ 0.50% · 4.625%
HK$68,835
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,778/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,482 · Scale 2, in force from 26 Feb 2026)