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$30,839
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$974/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,995/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,308
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$933/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,006
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,157
−HK$1,170/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,120/mo
Today · 4.125%
HK$43,393
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,786/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,517
−HK$1,364/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,673
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,031
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,319
−HK$1,307/mo
Today · 4.125%
HK$50,626
baseline
▲ 0.50% · 4.625%
HK$53,294
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,252/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,509
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,236
−HK$1,754/mo
Today · 4.125%
HK$58,990
baseline
▲ 0.50% · 4.625%
HK$62,580
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,980/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,754
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,410
−HK$1,680/mo
Today · 4.125%
HK$65,090
baseline
▲ 0.50% · 4.625%
HK$68,521
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,180/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,156 · Scale 2, in force from 26 Feb 2026)