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$30,965
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$979/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,909
+HK$2,002/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,448
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,372
−HK$937/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,314
−HK$1,174/mo
Today · 4.125%
HK$39,488
baseline
▲ 0.50% · 4.625%
HK$41,891
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,976/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,338
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,447
−HK$1,124/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,370/mo
Today · 4.125%
HK$46,070
baseline
▲ 0.50% · 4.625%
HK$48,873
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,140/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,228
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,521
−HK$1,312/mo
Today · 4.125%
HK$50,833
baseline
▲ 0.50% · 4.625%
HK$53,513
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,666/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,737
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,471
−HK$1,761/mo
Today · 4.125%
HK$59,232
baseline
▲ 0.50% · 4.625%
HK$62,837
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,464/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,007
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,670
−HK$1,687/mo
Today · 4.125%
HK$65,357
baseline
▲ 0.50% · 4.625%
HK$68,802
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,714/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,237 · Scale 2, in force from 26 Feb 2026)