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$30,812
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$974/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,992/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$933/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,035
+HK$1,904/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,975
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,169/mo
Today · 4.125%
HK$39,294
baseline
▲ 0.50% · 4.625%
HK$41,685
+HK$2,391/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,588/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,120/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,285/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,137
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,479
−HK$1,364/mo
Today · 4.125%
HK$45,843
baseline
▲ 0.50% · 4.625%
HK$48,632
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,686/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,277
−HK$1,306/mo
Today · 4.125%
HK$50,583
baseline
▲ 0.50% · 4.625%
HK$53,249
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,166/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,462
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,188
−HK$1,752/mo
Today · 4.125%
HK$58,940
baseline
▲ 0.50% · 4.625%
HK$62,527
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,880/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,701
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,356
−HK$1,679/mo
Today · 4.125%
HK$65,035
baseline
▲ 0.50% · 4.625%
HK$68,463
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,070/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,728 · Scale 2, in force from 26 Feb 2026)