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$30,969
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$978/mo
Today · 4.125%
HK$32,911
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$2,003/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$65,822/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$937/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$1,915/mo
Deposit HK$6.79M · loan HK$6.79M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,163
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,319
−HK$1,175/mo
Today · 4.125%
HK$39,494
baseline
▲ 0.50% · 4.625%
HK$41,897
+HK$2,403/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$78,988/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,344
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,452
−HK$1,125/mo
Today · 4.125%
HK$43,577
baseline
▲ 0.50% · 4.625%
HK$45,874
+HK$2,297/mo
Deposit HK$5.43M · loan HK$8.15M · min. income ≈ HK$87,154/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,357
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,370/mo
Today · 4.125%
HK$46,076
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,804/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$92,152/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,234
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,312/mo
Today · 4.125%
HK$50,840
baseline
▲ 0.50% · 4.625%
HK$53,520
+HK$2,680/mo
Deposit HK$4.07M · loan HK$9.51M · min. income ≈ HK$101,680/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,745
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,479
−HK$1,761/mo
Today · 4.125%
HK$59,240
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,605/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$118,480/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,687/mo
Today · 4.125%
HK$65,366
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,446/mo
Deposit HK$1.36M · loan HK$12.22M · min. income ≈ HK$130,732/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,307 · Scale 2, in force from 26 Feb 2026)