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$30,839
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$975/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,308
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$934/mo
Today · 4.125%
HK$36,162
baseline
▲ 0.50% · 4.625%
HK$38,068
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,324/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,007
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,169/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,170
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,274
−HK$1,120/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,175
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,364/mo
Today · 4.125%
HK$45,882
baseline
▲ 0.50% · 4.625%
HK$48,674
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,764/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,031
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,319
−HK$1,307/mo
Today · 4.125%
HK$50,626
baseline
▲ 0.50% · 4.625%
HK$53,295
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,252/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,510
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,754/mo
Today · 4.125%
HK$58,991
baseline
▲ 0.50% · 4.625%
HK$62,581
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,982/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,755
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,680/mo
Today · 4.125%
HK$65,091
baseline
▲ 0.50% · 4.625%
HK$68,522
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,182/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,164 · Scale 2, in force from 26 Feb 2026)