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$30,842
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$975/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,311
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,231
−HK$934/mo
Today · 4.125%
HK$36,165
baseline
▲ 0.50% · 4.625%
HK$38,071
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,330/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,010
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,170/mo
Today · 4.125%
HK$39,331
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,662/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,173
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,277
−HK$1,121/mo
Today · 4.125%
HK$43,398
baseline
▲ 0.50% · 4.625%
HK$45,685
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,796/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,178
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,521
−HK$1,365/mo
Today · 4.125%
HK$45,886
baseline
▲ 0.50% · 4.625%
HK$48,678
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,772/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,035
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,306/mo
Today · 4.125%
HK$50,630
baseline
▲ 0.50% · 4.625%
HK$53,299
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,260/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,515
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,242
−HK$1,754/mo
Today · 4.125%
HK$58,996
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,992/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,760
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,416
−HK$1,680/mo
Today · 4.125%
HK$65,096
baseline
▲ 0.50% · 4.625%
HK$68,528
+HK$3,432/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,192/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,206 · Scale 2, in force from 26 Feb 2026)