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$31,009
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$980/mo
Today · 4.125%
HK$32,954
baseline
▲ 0.50% · 4.625%
HK$34,959
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,908/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,498
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,423
−HK$939/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,278
+HK$1,916/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$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,211
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,176/mo
Today · 4.125%
HK$39,545
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,090/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,397
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,126/mo
Today · 4.125%
HK$43,634
baseline
▲ 0.50% · 4.625%
HK$45,934
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,268/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,413
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,764
−HK$1,372/mo
Today · 4.125%
HK$46,136
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,272/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,297
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,592
−HK$1,314/mo
Today · 4.125%
HK$50,906
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,812/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,817
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,553
−HK$1,764/mo
Today · 4.125%
HK$59,317
baseline
▲ 0.50% · 4.625%
HK$62,927
+HK$3,610/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,634/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,096
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,761
−HK$1,690/mo
Today · 4.125%
HK$65,451
baseline
▲ 0.50% · 4.625%
HK$68,901
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,902/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,967 · Scale 2, in force from 26 Feb 2026)