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$30,967
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$978/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,911
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,450
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,374
−HK$937/mo
Today · 4.125%
HK$36,311
baseline
▲ 0.50% · 4.625%
HK$38,225
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,622/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,160
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,174/mo
Today · 4.125%
HK$39,490
baseline
▲ 0.50% · 4.625%
HK$41,893
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,980/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,449
−HK$1,125/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,296/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,353
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,702
−HK$1,370/mo
Today · 4.125%
HK$46,072
baseline
▲ 0.50% · 4.625%
HK$48,875
+HK$2,803/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,144/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,230
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,524
−HK$1,312/mo
Today · 4.125%
HK$50,836
baseline
▲ 0.50% · 4.625%
HK$53,515
+HK$2,679/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,672/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,740
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,474
−HK$1,761/mo
Today · 4.125%
HK$59,235
baseline
▲ 0.50% · 4.625%
HK$62,840
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,470/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,010
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,673
−HK$1,687/mo
Today · 4.125%
HK$65,360
baseline
▲ 0.50% · 4.625%
HK$68,806
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,720/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,262 · Scale 2, in force from 26 Feb 2026)