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$30,814
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$974/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$932/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,977
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,168/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,687
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,136
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,120/mo
Today · 4.125%
HK$43,359
baseline
▲ 0.50% · 4.625%
HK$45,644
+HK$2,285/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,718/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,140
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,481
−HK$1,364/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,992
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,279
−HK$1,306/mo
Today · 4.125%
HK$50,585
baseline
▲ 0.50% · 4.625%
HK$53,252
+HK$2,667/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,170/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,465
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,190
−HK$1,753/mo
Today · 4.125%
HK$58,943
baseline
▲ 0.50% · 4.625%
HK$62,530
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,886/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,704
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,359
−HK$1,679/mo
Today · 4.125%
HK$65,038
baseline
▲ 0.50% · 4.625%
HK$68,466
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,076/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,752 · Scale 2, in force from 26 Feb 2026)