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$31,010
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,975
−HK$980/mo
Today · 4.125%
HK$32,955
baseline
▲ 0.50% · 4.625%
HK$34,960
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,910/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,498
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,424
−HK$938/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$1,917/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,212
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,370
−HK$1,176/mo
Today · 4.125%
HK$39,546
baseline
▲ 0.50% · 4.625%
HK$41,952
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,092/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,127/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,414
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,765
−HK$1,372/mo
Today · 4.125%
HK$46,137
baseline
▲ 0.50% · 4.625%
HK$48,944
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,274/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,298
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,593
−HK$1,314/mo
Today · 4.125%
HK$50,907
baseline
▲ 0.50% · 4.625%
HK$53,591
+HK$2,684/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,814/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,818
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,554
−HK$1,764/mo
Today · 4.125%
HK$59,318
baseline
▲ 0.50% · 4.625%
HK$62,928
+HK$3,610/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,636/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,097
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,763
−HK$1,689/mo
Today · 4.125%
HK$65,452
baseline
▲ 0.50% · 4.625%
HK$68,902
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,904/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,978 · Scale 2, in force from 26 Feb 2026)