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$30,828
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$974/mo
Today · 4.125%
HK$32,761
baseline
▲ 0.50% · 4.625%
HK$34,754
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,522/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,296
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,215
−HK$933/mo
Today · 4.125%
HK$36,148
baseline
▲ 0.50% · 4.625%
HK$38,054
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,296/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,169/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,705
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,155
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,120/mo
Today · 4.125%
HK$43,378
baseline
▲ 0.50% · 4.625%
HK$45,665
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,756/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,159
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,501
−HK$1,364/mo
Today · 4.125%
HK$45,865
baseline
▲ 0.50% · 4.625%
HK$48,656
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,730/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,014
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,302
−HK$1,306/mo
Today · 4.125%
HK$50,608
baseline
▲ 0.50% · 4.625%
HK$53,276
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,216/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,490
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,216
−HK$1,754/mo
Today · 4.125%
HK$58,970
baseline
▲ 0.50% · 4.625%
HK$62,558
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,940/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,732
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,388
−HK$1,679/mo
Today · 4.125%
HK$65,067
baseline
▲ 0.50% · 4.625%
HK$68,497
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,134/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,980 · Scale 2, in force from 26 Feb 2026)