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$30,825
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$974/mo
Today · 4.125%
HK$32,758
baseline
▲ 0.50% · 4.625%
HK$34,751
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,516/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,292
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,212
−HK$933/mo
Today · 4.125%
HK$36,145
baseline
▲ 0.50% · 4.625%
HK$38,050
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,290/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,990
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,140
−HK$1,169/mo
Today · 4.125%
HK$39,309
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,618/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,151
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,254
−HK$1,120/mo
Today · 4.125%
HK$43,374
baseline
▲ 0.50% · 4.625%
HK$45,660
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,748/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,155
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,497
−HK$1,364/mo
Today · 4.125%
HK$45,861
baseline
▲ 0.50% · 4.625%
HK$48,651
+HK$2,790/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,722/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,009
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,297
−HK$1,306/mo
Today · 4.125%
HK$50,603
baseline
▲ 0.50% · 4.625%
HK$53,270
+HK$2,667/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,206/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,485
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,210
−HK$1,754/mo
Today · 4.125%
HK$58,964
baseline
▲ 0.50% · 4.625%
HK$62,552
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,928/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,726
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,382
−HK$1,679/mo
Today · 4.125%
HK$65,061
baseline
▲ 0.50% · 4.625%
HK$68,490
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,122/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,930 · Scale 2, in force from 26 Feb 2026)