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$30,994
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,958
−HK$980/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,942
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,481
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,405
−HK$939/mo
Today · 4.125%
HK$36,344
baseline
▲ 0.50% · 4.625%
HK$38,259
+HK$1,915/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,688/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,193
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,350
−HK$1,175/mo
Today · 4.125%
HK$39,525
baseline
▲ 0.50% · 4.625%
HK$41,930
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,050/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,377
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,487
−HK$1,125/mo
Today · 4.125%
HK$43,612
baseline
▲ 0.50% · 4.625%
HK$45,911
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,224/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,392
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,742
−HK$1,371/mo
Today · 4.125%
HK$46,113
baseline
▲ 0.50% · 4.625%
HK$48,919
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,226/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,273
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,568
−HK$1,313/mo
Today · 4.125%
HK$50,881
baseline
▲ 0.50% · 4.625%
HK$53,563
+HK$2,682/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,762/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,525
−HK$1,763/mo
Today · 4.125%
HK$59,288
baseline
▲ 0.50% · 4.625%
HK$62,896
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,576/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,065
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,730
−HK$1,688/mo
Today · 4.125%
HK$65,418
baseline
▲ 0.50% · 4.625%
HK$68,867
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,836/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,716 · Scale 2, in force from 26 Feb 2026)