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$30,844
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$975/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,313
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$933/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$1,907/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,013
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,170/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,280
−HK$1,121/mo
Today · 4.125%
HK$43,401
baseline
▲ 0.50% · 4.625%
HK$45,688
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,802/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,181
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,524
−HK$1,365/mo
Today · 4.125%
HK$45,889
baseline
▲ 0.50% · 4.625%
HK$48,681
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,778/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,327
−HK$1,307/mo
Today · 4.125%
HK$50,634
baseline
▲ 0.50% · 4.625%
HK$53,303
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,268/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,519
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,246
−HK$1,754/mo
Today · 4.125%
HK$59,000
baseline
▲ 0.50% · 4.625%
HK$62,590
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$118,000/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,764
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,421
−HK$1,680/mo
Today · 4.125%
HK$65,101
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,432/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,202/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,242 · Scale 2, in force from 26 Feb 2026)