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$1,934/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$975/mo
Today · 4.125%
HK$32,768
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,536/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,303
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,223
−HK$933/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,062
+HK$1,906/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$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,001
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,170/mo
Today · 4.125%
HK$39,322
baseline
▲ 0.50% · 4.625%
HK$41,714
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,644/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,164
−HK$2,223/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$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,364/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,024
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,312
−HK$1,307/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,287
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,502
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,754/mo
Today · 4.125%
HK$58,982
baseline
▲ 0.50% · 4.625%
HK$62,571
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,964/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,745
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,401
−HK$1,680/mo
Today · 4.125%
HK$65,081
baseline
▲ 0.50% · 4.625%
HK$68,512
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,162/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,088 · Scale 2, in force from 26 Feb 2026)