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$30,998
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$980/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,946
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,485
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$938/mo
Today · 4.125%
HK$36,348
baseline
▲ 0.50% · 4.625%
HK$38,264
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,696/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,355
−HK$1,175/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,382
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,492
−HK$1,126/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,397
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,747
−HK$1,372/mo
Today · 4.125%
HK$46,119
baseline
▲ 0.50% · 4.625%
HK$48,925
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,238/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,279
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,574
−HK$1,314/mo
Today · 4.125%
HK$50,888
baseline
▲ 0.50% · 4.625%
HK$53,570
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,776/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,797
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,532
−HK$1,764/mo
Today · 4.125%
HK$59,296
baseline
▲ 0.50% · 4.625%
HK$62,904
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,592/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,073
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,738
−HK$1,689/mo
Today · 4.125%
HK$65,427
baseline
▲ 0.50% · 4.625%
HK$68,876
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,854/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,781 · Scale 2, in force from 26 Feb 2026)