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$30,971
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$979/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$938/mo
Today · 4.125%
HK$36,316
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,632/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,165
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,321
−HK$1,174/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$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,345
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,454
−HK$1,125/mo
Today · 4.125%
HK$43,579
baseline
▲ 0.50% · 4.625%
HK$45,876
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,158/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,359
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,371/mo
Today · 4.125%
HK$46,078
baseline
▲ 0.50% · 4.625%
HK$48,881
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,156/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,530
−HK$1,312/mo
Today · 4.125%
HK$50,842
baseline
▲ 0.50% · 4.625%
HK$53,522
+HK$2,680/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$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,747
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,481
−HK$1,762/mo
Today · 4.125%
HK$59,243
baseline
▲ 0.50% · 4.625%
HK$62,848
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,486/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,018
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,681
−HK$1,688/mo
Today · 4.125%
HK$65,369
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,738/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,327 · Scale 2, in force from 26 Feb 2026)