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$30,810
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$974/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,734
+HK$1,992/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,276
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,195
−HK$932/mo
Today · 4.125%
HK$36,127
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,254/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,972
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,122
−HK$1,168/mo
Today · 4.125%
HK$39,290
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,391/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,580/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,131
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,119/mo
Today · 4.125%
HK$43,353
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,706/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,134
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,476
−HK$1,363/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,986
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,305/mo
Today · 4.125%
HK$50,578
baseline
▲ 0.50% · 4.625%
HK$53,245
+HK$2,667/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,156/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,458
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,183
−HK$1,752/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,522
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,696
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,678/mo
Today · 4.125%
HK$65,029
baseline
▲ 0.50% · 4.625%
HK$68,457
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,058/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,685 · Scale 2, in force from 26 Feb 2026)