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$30,844
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$975/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,995/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$934/mo
Today · 4.125%
HK$36,168
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,336/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,013
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,170/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,281
−HK$1,120/mo
Today · 4.125%
HK$43,401
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,802/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,182
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,525
−HK$1,365/mo
Today · 4.125%
HK$45,890
baseline
▲ 0.50% · 4.625%
HK$48,682
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,780/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,328
−HK$1,307/mo
Today · 4.125%
HK$50,635
baseline
▲ 0.50% · 4.625%
HK$53,304
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,270/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,519
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,246
−HK$1,755/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,765
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,421
−HK$1,681/mo
Today · 4.125%
HK$65,102
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,204/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,247 · Scale 2, in force from 26 Feb 2026)