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$30,843
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,802
−HK$975/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,312
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,232
−HK$934/mo
Today · 4.125%
HK$36,166
baseline
▲ 0.50% · 4.625%
HK$38,072
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,332/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,011
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,170/mo
Today · 4.125%
HK$39,332
baseline
▲ 0.50% · 4.625%
HK$41,725
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,664/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,174
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,279
−HK$1,120/mo
Today · 4.125%
HK$43,399
baseline
▲ 0.50% · 4.625%
HK$45,687
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,798/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,180
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,523
−HK$1,364/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,037
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,325
−HK$1,307/mo
Today · 4.125%
HK$50,632
baseline
▲ 0.50% · 4.625%
HK$53,301
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,264/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,517
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,243
−HK$1,755/mo
Today · 4.125%
HK$58,998
baseline
▲ 0.50% · 4.625%
HK$62,588
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,996/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,762
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,418
−HK$1,680/mo
Today · 4.125%
HK$65,098
baseline
▲ 0.50% · 4.625%
HK$68,530
+HK$3,432/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,196/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,222 · Scale 2, in force from 26 Feb 2026)