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$30,826
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$975/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,753
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,214
−HK$933/mo
Today · 4.125%
HK$36,147
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,294/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,992
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,142
−HK$1,169/mo
Today · 4.125%
HK$39,311
baseline
▲ 0.50% · 4.625%
HK$41,703
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,622/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,153
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,257
−HK$1,119/mo
Today · 4.125%
HK$43,376
baseline
▲ 0.50% · 4.625%
HK$45,663
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,752/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,157
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,499
−HK$1,364/mo
Today · 4.125%
HK$45,863
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,726/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,012
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,299
−HK$1,307/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,273
+HK$2,667/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,212/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,488
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,214
−HK$1,753/mo
Today · 4.125%
HK$58,967
baseline
▲ 0.50% · 4.625%
HK$62,555
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,934/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,729
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,385
−HK$1,679/mo
Today · 4.125%
HK$65,064
baseline
▲ 0.50% · 4.625%
HK$68,494
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,128/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,957 · Scale 2, in force from 26 Feb 2026)