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$30,985
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$979/mo
Today · 4.125%
HK$32,928
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$2,004/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,856/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,471
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$938/mo
Today · 4.125%
HK$36,333
baseline
▲ 0.50% · 4.625%
HK$38,248
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,666/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,175/mo
Today · 4.125%
HK$39,514
baseline
▲ 0.50% · 4.625%
HK$41,918
+HK$2,404/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,028/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,125/mo
Today · 4.125%
HK$43,599
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,198/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,371/mo
Today · 4.125%
HK$46,099
baseline
▲ 0.50% · 4.625%
HK$48,904
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,198/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,259
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,553
−HK$1,313/mo
Today · 4.125%
HK$50,866
baseline
▲ 0.50% · 4.625%
HK$53,547
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,732/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,508
−HK$1,763/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,711
−HK$1,688/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$68,846
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,565 · Scale 2, in force from 26 Feb 2026)