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$30,959
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,922
−HK$979/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$937/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,151
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,174/mo
Today · 4.125%
HK$39,481
baseline
▲ 0.50% · 4.625%
HK$41,883
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,962/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,330
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,124/mo
Today · 4.125%
HK$43,563
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,126/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,691
−HK$1,370/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,512
−HK$1,312/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,503
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,727
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,460
−HK$1,761/mo
Today · 4.125%
HK$59,221
baseline
▲ 0.50% · 4.625%
HK$62,825
+HK$3,604/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,442/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,995
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,658
−HK$1,687/mo
Today · 4.125%
HK$65,345
baseline
▲ 0.50% · 4.625%
HK$68,789
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,690/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,142 · Scale 2, in force from 26 Feb 2026)