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$30,834
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$975/mo
Today · 4.125%
HK$32,768
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,536/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,222
−HK$934/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,062
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,001
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,169/mo
Today · 4.125%
HK$39,321
baseline
▲ 0.50% · 4.625%
HK$41,714
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,642/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,163
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,267
−HK$1,120/mo
Today · 4.125%
HK$43,387
baseline
▲ 0.50% · 4.625%
HK$45,674
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,774/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,365/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,666
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,023
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,311
−HK$1,307/mo
Today · 4.125%
HK$50,618
baseline
▲ 0.50% · 4.625%
HK$53,286
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,236/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,501
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,754/mo
Today · 4.125%
HK$58,982
baseline
▲ 0.50% · 4.625%
HK$62,570
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,964/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,744
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,400
−HK$1,680/mo
Today · 4.125%
HK$65,080
baseline
▲ 0.50% · 4.625%
HK$68,511
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,160/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,081 · Scale 2, in force from 26 Feb 2026)