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$30,829
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$974/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,756
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$933/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,145
−HK$1,169/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,156
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,260
−HK$1,120/mo
Today · 4.125%
HK$43,380
baseline
▲ 0.50% · 4.625%
HK$45,666
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,760/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,160
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,503
−HK$1,364/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,015
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,303
−HK$1,307/mo
Today · 4.125%
HK$50,610
baseline
▲ 0.50% · 4.625%
HK$53,277
+HK$2,667/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,220/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,492
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,218
−HK$1,754/mo
Today · 4.125%
HK$58,972
baseline
▲ 0.50% · 4.625%
HK$62,560
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,944/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,734
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,390
−HK$1,679/mo
Today · 4.125%
HK$65,069
baseline
▲ 0.50% · 4.625%
HK$68,499
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,138/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,996 · Scale 2, in force from 26 Feb 2026)