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$30,823
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,782
−HK$974/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$933/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,048
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,988
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,138
−HK$1,169/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,149
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,252
−HK$1,120/mo
Today · 4.125%
HK$43,372
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,744/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,364/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,649
+HK$2,790/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,007
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,294
−HK$1,306/mo
Today · 4.125%
HK$50,600
baseline
▲ 0.50% · 4.625%
HK$53,268
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,200/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,482
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,208
−HK$1,753/mo
Today · 4.125%
HK$58,961
baseline
▲ 0.50% · 4.625%
HK$62,549
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,922/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,723
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,378
−HK$1,680/mo
Today · 4.125%
HK$65,058
baseline
▲ 0.50% · 4.625%
HK$68,487
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,116/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,904 · Scale 2, in force from 26 Feb 2026)