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$30,819
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,778
−HK$974/mo
Today · 4.125%
HK$32,752
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,504/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,286
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,206
−HK$933/mo
Today · 4.125%
HK$36,139
baseline
▲ 0.50% · 4.625%
HK$38,044
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,278/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,983
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,134
−HK$1,168/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,144
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,247
−HK$1,119/mo
Today · 4.125%
HK$43,366
baseline
▲ 0.50% · 4.625%
HK$45,652
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,732/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,147
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,489
−HK$1,364/mo
Today · 4.125%
HK$45,853
baseline
▲ 0.50% · 4.625%
HK$48,643
+HK$2,790/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,706/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,001
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,288
−HK$1,306/mo
Today · 4.125%
HK$50,594
baseline
▲ 0.50% · 4.625%
HK$53,261
+HK$2,667/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,188/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,475
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,200
−HK$1,754/mo
Today · 4.125%
HK$58,954
baseline
▲ 0.50% · 4.625%
HK$62,541
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,908/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,715
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,680/mo
Today · 4.125%
HK$65,050
baseline
▲ 0.50% · 4.625%
HK$68,478
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,100/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,841 · Scale 2, in force from 26 Feb 2026)