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$30,987
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$980/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,934
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$938/mo
Today · 4.125%
HK$36,336
baseline
▲ 0.50% · 4.625%
HK$38,251
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,672/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,185
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,342
−HK$1,175/mo
Today · 4.125%
HK$39,517
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,404/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$79,034/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,368
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,477
−HK$1,126/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$45,901
+HK$2,298/mo
Deposit HK$5.44M · loan HK$8.15M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,371/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,805/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,557
−HK$1,313/mo
Today · 4.125%
HK$50,870
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$2,681/mo
Deposit HK$4.08M · loan HK$9.51M · min. income ≈ HK$101,740/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,777
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,512
−HK$1,763/mo
Today · 4.125%
HK$59,275
baseline
▲ 0.50% · 4.625%
HK$62,882
+HK$3,607/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,550/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,052
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,716
−HK$1,688/mo
Today · 4.125%
HK$65,404
baseline
▲ 0.50% · 4.625%
HK$68,852
+HK$3,448/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,808/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,604 · Scale 2, in force from 26 Feb 2026)