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$30,832
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$974/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,759
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$933/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,998
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,169/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,120/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$45,671
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,164
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,507
−HK$1,364/mo
Today · 4.125%
HK$45,871
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,742/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,020
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,308
−HK$1,306/mo
Today · 4.125%
HK$50,614
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,228/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,497
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,754/mo
Today · 4.125%
HK$58,977
baseline
▲ 0.50% · 4.625%
HK$62,566
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,954/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,740
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,396
−HK$1,680/mo
Today · 4.125%
HK$65,076
baseline
▲ 0.50% · 4.625%
HK$68,506
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,152/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,045 · Scale 2, in force from 26 Feb 2026)