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$30,837
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$974/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,540/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,305
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$933/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,065
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,004
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,169/mo
Today · 4.125%
HK$39,324
baseline
▲ 0.50% · 4.625%
HK$41,717
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,648/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,167
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,120/mo
Today · 4.125%
HK$43,391
baseline
▲ 0.50% · 4.625%
HK$45,678
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,782/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,171
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,365/mo
Today · 4.125%
HK$45,879
baseline
▲ 0.50% · 4.625%
HK$48,670
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,758/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,028
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,306/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,291
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,506
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,755/mo
Today · 4.125%
HK$58,987
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,974/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,750
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,406
−HK$1,680/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$68,517
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,125 · Scale 2, in force from 26 Feb 2026)