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$30,813
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$973/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,199
−HK$932/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,168/mo
Today · 4.125%
HK$39,294
baseline
▲ 0.50% · 4.625%
HK$41,685
+HK$2,391/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,588/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,135
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,238
−HK$1,120/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,643
+HK$2,285/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,138
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,364/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,633
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,991
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,306/mo
Today · 4.125%
HK$50,584
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,168/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,464
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,189
−HK$1,753/mo
Today · 4.125%
HK$58,942
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,586/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,884/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,703
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,358
−HK$1,678/mo
Today · 4.125%
HK$65,036
baseline
▲ 0.50% · 4.625%
HK$68,465
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,072/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,739 · Scale 2, in force from 26 Feb 2026)