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$30,981
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$979/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,927
+HK$2,004/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,466
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,390
−HK$938/mo
Today · 4.125%
HK$36,328
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,656/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,177
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,175/mo
Today · 4.125%
HK$39,508
baseline
▲ 0.50% · 4.625%
HK$41,912
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,016/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,359
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,468
−HK$1,125/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$45,891
+HK$2,298/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,373
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,371/mo
Today · 4.125%
HK$46,093
baseline
▲ 0.50% · 4.625%
HK$48,897
+HK$2,804/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,186/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,252
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,546
−HK$1,313/mo
Today · 4.125%
HK$50,859
baseline
▲ 0.50% · 4.625%
HK$53,540
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,718/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,765
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,500
−HK$1,762/mo
Today · 4.125%
HK$59,262
baseline
▲ 0.50% · 4.625%
HK$62,868
+HK$3,606/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,524/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,038
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,702
−HK$1,688/mo
Today · 4.125%
HK$65,390
baseline
▲ 0.50% · 4.625%
HK$68,837
+HK$3,447/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,780/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,492 · Scale 2, in force from 26 Feb 2026)