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$30,815
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$974/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,740
+HK$1,992/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,282
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,201
−HK$933/mo
Today · 4.125%
HK$36,134
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,268/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,168/mo
Today · 4.125%
HK$39,297
baseline
▲ 0.50% · 4.625%
HK$41,688
+HK$2,391/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,594/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,241
−HK$1,120/mo
Today · 4.125%
HK$43,361
baseline
▲ 0.50% · 4.625%
HK$45,646
+HK$2,285/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,722/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,483
−HK$1,364/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,637
+HK$2,790/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,282
−HK$1,306/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,254
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,468
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,193
−HK$1,753/mo
Today · 4.125%
HK$58,946
baseline
▲ 0.50% · 4.625%
HK$62,533
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,892/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,707
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,362
−HK$1,679/mo
Today · 4.125%
HK$65,041
baseline
▲ 0.50% · 4.625%
HK$68,469
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,082/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,775 · Scale 2, in force from 26 Feb 2026)