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$30,972
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$979/mo
Today · 4.125%
HK$32,914
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,828/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,456
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,380
−HK$937/mo
Today · 4.125%
HK$36,317
baseline
▲ 0.50% · 4.625%
HK$38,231
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,634/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,166
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,322
−HK$1,175/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,900
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,347
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,125/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$45,878
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,360
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,709
−HK$1,370/mo
Today · 4.125%
HK$46,079
baseline
▲ 0.50% · 4.625%
HK$48,883
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,158/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,238
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,532
−HK$1,312/mo
Today · 4.125%
HK$50,844
baseline
▲ 0.50% · 4.625%
HK$53,524
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,688/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,749
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,483
−HK$1,762/mo
Today · 4.125%
HK$59,245
baseline
▲ 0.50% · 4.625%
HK$62,850
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,490/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,020
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,683
−HK$1,688/mo
Today · 4.125%
HK$65,371
baseline
▲ 0.50% · 4.625%
HK$68,817
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,742/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,345 · Scale 2, in force from 26 Feb 2026)