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$30,968
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$979/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,913
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,452
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,376
−HK$937/mo
Today · 4.125%
HK$36,313
baseline
▲ 0.50% · 4.625%
HK$38,227
+HK$1,914/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,626/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,174/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,895
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,125/mo
Today · 4.125%
HK$43,576
baseline
▲ 0.50% · 4.625%
HK$45,873
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,152/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,355
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,704
−HK$1,370/mo
Today · 4.125%
HK$46,074
baseline
▲ 0.50% · 4.625%
HK$48,878
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,148/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,232
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,526
−HK$1,312/mo
Today · 4.125%
HK$50,838
baseline
▲ 0.50% · 4.625%
HK$53,518
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,676/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,743
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,761/mo
Today · 4.125%
HK$59,238
baseline
▲ 0.50% · 4.625%
HK$62,843
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,476/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,013
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,688/mo
Today · 4.125%
HK$65,364
baseline
▲ 0.50% · 4.625%
HK$68,809
+HK$3,445/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,728/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,288 · Scale 2, in force from 26 Feb 2026)