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$30,845
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$975/mo
Today · 4.125%
HK$32,779
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,558/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,235
−HK$933/mo
Today · 4.125%
HK$36,168
baseline
▲ 0.50% · 4.625%
HK$38,075
+HK$1,907/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$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,014
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,165
−HK$1,170/mo
Today · 4.125%
HK$39,335
baseline
▲ 0.50% · 4.625%
HK$41,728
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,670/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,177
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,282
−HK$1,120/mo
Today · 4.125%
HK$43,402
baseline
▲ 0.50% · 4.625%
HK$45,690
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,804/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,183
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,365/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,683
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,040
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,329
−HK$1,307/mo
Today · 4.125%
HK$50,636
baseline
▲ 0.50% · 4.625%
HK$53,305
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,272/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,520
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,248
−HK$1,754/mo
Today · 4.125%
HK$59,002
baseline
▲ 0.50% · 4.625%
HK$62,592
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$118,004/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,766
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,423
−HK$1,680/mo
Today · 4.125%
HK$65,103
baseline
▲ 0.50% · 4.625%
HK$68,535
+HK$3,432/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,206/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,258 · Scale 2, in force from 26 Feb 2026)