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$30,807
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,765
−HK$974/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,731
+HK$1,992/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,272
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$933/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,028
+HK$1,904/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,968
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,168/mo
Today · 4.125%
HK$39,286
baseline
▲ 0.50% · 4.625%
HK$41,677
+HK$2,391/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,572/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,119/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,633
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,129
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,471
−HK$1,363/mo
Today · 4.125%
HK$45,834
baseline
▲ 0.50% · 4.625%
HK$48,623
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,668/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,981
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,268
−HK$1,305/mo
Today · 4.125%
HK$50,573
baseline
▲ 0.50% · 4.625%
HK$53,239
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,146/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,452
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,177
−HK$1,752/mo
Today · 4.125%
HK$58,929
baseline
▲ 0.50% · 4.625%
HK$62,515
+HK$3,586/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,858/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,690
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,344
−HK$1,679/mo
Today · 4.125%
HK$65,023
baseline
▲ 0.50% · 4.625%
HK$68,450
+HK$3,427/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,046/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,633 · Scale 2, in force from 26 Feb 2026)