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$30,970
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$979/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$937/mo
Today · 4.125%
HK$36,315
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,630/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,320
−HK$1,175/mo
Today · 4.125%
HK$39,495
baseline
▲ 0.50% · 4.625%
HK$41,898
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,990/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,345
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,454
−HK$1,124/mo
Today · 4.125%
HK$43,578
baseline
▲ 0.50% · 4.625%
HK$45,876
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,156/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,370/mo
Today · 4.125%
HK$46,077
baseline
▲ 0.50% · 4.625%
HK$48,881
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,154/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,529
−HK$1,313/mo
Today · 4.125%
HK$50,842
baseline
▲ 0.50% · 4.625%
HK$53,521
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,684/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,746
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,762/mo
Today · 4.125%
HK$59,242
baseline
▲ 0.50% · 4.625%
HK$62,847
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,484/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,017
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,680
−HK$1,688/mo
Today · 4.125%
HK$65,368
baseline
▲ 0.50% · 4.625%
HK$68,813
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,736/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,320 · Scale 2, in force from 26 Feb 2026)