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$30,956
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$978/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,438
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$937/mo
Today · 4.125%
HK$36,299
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$1,913/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,598/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,147
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,174/mo
Today · 4.125%
HK$39,477
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,402/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,954/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,326
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,434
−HK$1,124/mo
Today · 4.125%
HK$43,558
baseline
▲ 0.50% · 4.625%
HK$45,855
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,116/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,338
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,686
−HK$1,370/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,802/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,213
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,312/mo
Today · 4.125%
HK$50,818
baseline
▲ 0.50% · 4.625%
HK$53,497
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.50M · min. income ≈ HK$101,636/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,721
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,454
−HK$1,761/mo
Today · 4.125%
HK$59,215
baseline
▲ 0.50% · 4.625%
HK$62,818
+HK$3,603/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,430/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,989
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,651
−HK$1,687/mo
Today · 4.125%
HK$65,338
baseline
▲ 0.50% · 4.625%
HK$68,782
+HK$3,444/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,676/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,087 · Scale 2, in force from 26 Feb 2026)