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$30,841
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$975/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,769
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$934/mo
Today · 4.125%
HK$36,164
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,328/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,009
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,170/mo
Today · 4.125%
HK$39,330
baseline
▲ 0.50% · 4.625%
HK$41,723
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,660/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,172
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,121/mo
Today · 4.125%
HK$43,397
baseline
▲ 0.50% · 4.625%
HK$45,684
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,794/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,177
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,365/mo
Today · 4.125%
HK$45,885
baseline
▲ 0.50% · 4.625%
HK$48,677
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,770/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,034
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,323
−HK$1,306/mo
Today · 4.125%
HK$50,629
baseline
▲ 0.50% · 4.625%
HK$53,298
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,258/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,514
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,755/mo
Today · 4.125%
HK$58,995
baseline
▲ 0.50% · 4.625%
HK$62,585
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,990/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,758
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,680/mo
Today · 4.125%
HK$65,095
baseline
▲ 0.50% · 4.625%
HK$68,526
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,190/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,196 · Scale 2, in force from 26 Feb 2026)