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$30,973
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$979/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,458
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$937/mo
Today · 4.125%
HK$36,319
baseline
▲ 0.50% · 4.625%
HK$38,234
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,638/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,175/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,349
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,125/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,363
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,370/mo
Today · 4.125%
HK$46,082
baseline
▲ 0.50% · 4.625%
HK$48,886
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,164/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,313/mo
Today · 4.125%
HK$50,847
baseline
▲ 0.50% · 4.625%
HK$53,527
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,694/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,752
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,486
−HK$1,762/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,853
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,024
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,687
−HK$1,688/mo
Today · 4.125%
HK$65,375
baseline
▲ 0.50% · 4.625%
HK$68,821
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,750/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,375 · Scale 2, in force from 26 Feb 2026)