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$30,836
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$974/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,540/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,305
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,225
−HK$934/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,065
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,004
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,169/mo
Today · 4.125%
HK$39,324
baseline
▲ 0.50% · 4.625%
HK$41,717
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,648/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,166
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,270
−HK$1,120/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$45,677
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,171
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,364/mo
Today · 4.125%
HK$45,878
baseline
▲ 0.50% · 4.625%
HK$48,670
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,756/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,027
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,315
−HK$1,307/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,290
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,505
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,754/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,749
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,680/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$68,516
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,121 · Scale 2, in force from 26 Feb 2026)