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$30,830
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$975/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,298
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$933/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,057
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,996
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,147
−HK$1,169/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,709
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,158
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,262
−HK$1,120/mo
Today · 4.125%
HK$43,382
baseline
▲ 0.50% · 4.625%
HK$45,668
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,764/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,162
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,364/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,660
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,018
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,306
−HK$1,306/mo
Today · 4.125%
HK$50,612
baseline
▲ 0.50% · 4.625%
HK$53,280
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,224/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,495
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,221
−HK$1,754/mo
Today · 4.125%
HK$58,975
baseline
▲ 0.50% · 4.625%
HK$62,563
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,950/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,737
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,393
−HK$1,680/mo
Today · 4.125%
HK$65,073
baseline
▲ 0.50% · 4.625%
HK$68,503
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,146/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,021 · Scale 2, in force from 26 Feb 2026)