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$30,813
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$974/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$933/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,168/mo
Today · 4.125%
HK$39,294
baseline
▲ 0.50% · 4.625%
HK$41,685
+HK$2,391/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,588/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,135
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,238
−HK$1,119/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,643
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,138
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,363/mo
Today · 4.125%
HK$45,843
baseline
▲ 0.50% · 4.625%
HK$48,633
+HK$2,790/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,686/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,991
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,306/mo
Today · 4.125%
HK$50,584
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,168/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,463
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,189
−HK$1,752/mo
Today · 4.125%
HK$58,941
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,882/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,702
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,679/mo
Today · 4.125%
HK$65,036
baseline
▲ 0.50% · 4.625%
HK$68,464
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,072/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,735 · Scale 2, in force from 26 Feb 2026)