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$31,001
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$979/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$938/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,202
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,359
−HK$1,175/mo
Today · 4.125%
HK$39,534
baseline
▲ 0.50% · 4.625%
HK$41,940
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,068/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,386
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,496
−HK$1,126/mo
Today · 4.125%
HK$43,622
baseline
▲ 0.50% · 4.625%
HK$45,922
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,244/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,402
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,752
−HK$1,372/mo
Today · 4.125%
HK$46,124
baseline
▲ 0.50% · 4.625%
HK$48,930
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,248/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,284
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,579
−HK$1,314/mo
Today · 4.125%
HK$50,893
baseline
▲ 0.50% · 4.625%
HK$53,575
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,786/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,802
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,764/mo
Today · 4.125%
HK$59,302
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,604/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,080
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,690/mo
Today · 4.125%
HK$65,434
baseline
▲ 0.50% · 4.625%
HK$68,883
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,868/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,833 · Scale 2, in force from 26 Feb 2026)