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$30,821
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$974/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$933/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,986
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,136
−HK$1,169/mo
Today · 4.125%
HK$39,305
baseline
▲ 0.50% · 4.625%
HK$41,697
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,610/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,146
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,250
−HK$1,119/mo
Today · 4.125%
HK$43,369
baseline
▲ 0.50% · 4.625%
HK$45,655
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,738/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,150
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,492
−HK$1,364/mo
Today · 4.125%
HK$45,856
baseline
▲ 0.50% · 4.625%
HK$48,646
+HK$2,790/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,712/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,004
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,291
−HK$1,306/mo
Today · 4.125%
HK$50,597
baseline
▲ 0.50% · 4.625%
HK$53,264
+HK$2,667/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,194/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,204
−HK$1,754/mo
Today · 4.125%
HK$58,958
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,916/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,719
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,375
−HK$1,679/mo
Today · 4.125%
HK$65,054
baseline
▲ 0.50% · 4.625%
HK$68,483
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,108/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,875 · Scale 2, in force from 26 Feb 2026)