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$30,811
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,769
−HK$974/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,992/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,276
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$932/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,033
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,168/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,682
+HK$2,391/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,132
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,235
−HK$1,119/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,639
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,135
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,476
−HK$1,364/mo
Today · 4.125%
HK$45,840
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,680/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,987
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,274
−HK$1,306/mo
Today · 4.125%
HK$50,580
baseline
▲ 0.50% · 4.625%
HK$53,246
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,160/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,459
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,184
−HK$1,753/mo
Today · 4.125%
HK$58,937
baseline
▲ 0.50% · 4.625%
HK$62,523
+HK$3,586/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,874/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,698
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,679/mo
Today · 4.125%
HK$65,031
baseline
▲ 0.50% · 4.625%
HK$68,459
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,062/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,696 · Scale 2, in force from 26 Feb 2026)