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$30,977
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$979/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,461
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$937/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,172
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,175/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,907
+HK$2,404/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,354
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,463
−HK$1,125/mo
Today · 4.125%
HK$43,588
baseline
▲ 0.50% · 4.625%
HK$45,885
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,176/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,367
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,371/mo
Today · 4.125%
HK$46,087
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,804/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,174/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,246
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,312/mo
Today · 4.125%
HK$50,852
baseline
▲ 0.50% · 4.625%
HK$53,533
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,704/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,758
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,493
−HK$1,762/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,860
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,694
−HK$1,688/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$68,828
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,429 · Scale 2, in force from 26 Feb 2026)