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$30,987
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$979/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,934
+HK$2,004/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$938/mo
Today · 4.125%
HK$36,335
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,670/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,175/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,477
−HK$1,125/mo
Today · 4.125%
HK$43,602
baseline
▲ 0.50% · 4.625%
HK$45,901
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,204/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,371/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,907
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,313/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,738/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,777
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,512
−HK$1,762/mo
Today · 4.125%
HK$59,274
baseline
▲ 0.50% · 4.625%
HK$62,881
+HK$3,607/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,548/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,051
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,715
−HK$1,688/mo
Today · 4.125%
HK$65,403
baseline
▲ 0.50% · 4.625%
HK$68,851
+HK$3,448/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,806/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,598 · Scale 2, in force from 26 Feb 2026)