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$30,834
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$974/mo
Today · 4.125%
HK$32,767
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,534/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,222
−HK$934/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,061
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,001
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,169/mo
Today · 4.125%
HK$39,321
baseline
▲ 0.50% · 4.625%
HK$41,714
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,642/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,163
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,267
−HK$1,120/mo
Today · 4.125%
HK$43,387
baseline
▲ 0.50% · 4.625%
HK$45,674
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,774/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,167
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,364/mo
Today · 4.125%
HK$45,874
baseline
▲ 0.50% · 4.625%
HK$48,666
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,748/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,023
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,311
−HK$1,307/mo
Today · 4.125%
HK$50,618
baseline
▲ 0.50% · 4.625%
HK$53,286
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,236/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,501
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,227
−HK$1,754/mo
Today · 4.125%
HK$58,981
baseline
▲ 0.50% · 4.625%
HK$62,570
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,962/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,744
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,400
−HK$1,680/mo
Today · 4.125%
HK$65,080
baseline
▲ 0.50% · 4.625%
HK$68,511
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,160/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,080 · Scale 2, in force from 26 Feb 2026)