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$31,005
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,969
−HK$980/mo
Today · 4.125%
HK$32,949
baseline
▲ 0.50% · 4.625%
HK$34,954
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,898/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$938/mo
Today · 4.125%
HK$36,356
baseline
▲ 0.50% · 4.625%
HK$38,273
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,712/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,206
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,176/mo
Today · 4.125%
HK$39,539
baseline
▲ 0.50% · 4.625%
HK$41,945
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,078/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,501
−HK$1,126/mo
Today · 4.125%
HK$43,627
baseline
▲ 0.50% · 4.625%
HK$45,927
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,254/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,407
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,757
−HK$1,372/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,585
−HK$1,314/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,809
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,545
−HK$1,764/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,917
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,087
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,752
−HK$1,689/mo
Today · 4.125%
HK$65,441
baseline
▲ 0.50% · 4.625%
HK$68,891
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,882/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,892 · Scale 2, in force from 26 Feb 2026)